davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-20
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (FL)

They call repeatedly during work hours and make false statements to try and get me to sign up for their features. They call before the payment due date every day until the payment is made. This month they began calling 2 days before the payment due date during work hours ( calls began XX/XX/XXXX - payments are due the XXXX - by their own rules i have 20 days from the due date before a payment is late ). I am not allowed to use my phone at work. When I got in contact with them ( XX/XX/XXXX ) I asked why they were calling so much before my payment was due they said that it was because they were ready to take my loan out of default. I said that was great and I would be calling back in the next few days to make my payment. They told me they would advise me about the status of my loan when I made the payment. They continued to call XX/XX/XXXX & XXXX during work hours. When I made my payment XX/XX/XXXX they tried to get me to sign up for their paperless notifications. I declined. They had no knowledge of the conversation where I was told about my loan coming out of default and said i started receiving the calls before my due date as a reminder. I asked to speak to a supervisor and asked them to listen to the recording of the conversation on XX/XX/XXXX. Today XX/XX/XXXX I got a call back and the person I spoke to confirmed that I was told my loan was ready to come out of default but I was told simply that the person who spoke to me had made a mistake and not looked up my payments and that I was still months away from my loan coming out of default. I was also told that he saw where I had asked previously to to get called repeatedly and he simply didnt know what happened. I have asked them repeatedly to stop calling so much they always claim that theyre sorry and they dont know what happened but theyll fix it and as soon as the next payment date approaches the calls begin again. Every month they have a new excuse for calling me and are constantly trying to get me to approve autopayments or paperless billing. Ive had trouble looking for work and in the past when payments were late for longer periods they have called my parents and siblings trying to reach me. Its incessant and unnecessary and has caused my family and my self a lot of undue stress.
Consumer complaint received 2018-05-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (NY)

XX/XX/2018, Collection agency identifies themselves as Halsted Financial Services contacts me from phone number XXXX. Claims they are collecting debt for XXXX. I requested them to substantiate the debt, and send me all paperwork on the matter. Representative threatens to " take this matter higher '' and warns me that failing to pay today will damage my ability to obtain credit cards, auto loans, and other things. Representative does not give me any contact information for Halsted Financial, so I request him to stop calling me until he provides paperwork regarding this matter mailed to the address he has on file. He warns me that I am being " uncooperative '' and disconnects the call. 

No such account exists on any one of my credit reports, and even after i alerted the representative that I had never done business with the company, he continued to harass me to pay this account.
Consumer complaint received 2018-05-23
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. (TX)

I took over a loan with XXXX XXXX XXXX XXXX in XX/XX/XXXX from my granddaughter. I co-signed on this loan and found that my granddaughter was not paying the loan properly. There were delinquent payments from her and finally no payments period. Before taking over the loan I contacted the credit union and had the reposes the vehicle, I also made arrangements to pay the remainder of the loan back over the next few years. Since XX/XX/XXXX I have paid back all of the remainder of {$10000.00} remaining on the loan except for approximately {$1200.00}. I have made payments as agreed since XX/XX/XXXX and will continue to make payments until the entire loan has been paid off. Recently XXXX  and Equifax show this account voluntarily surrendered in XX/XX/XXXX not XX/XX/XXXX. I have filed complaints trying to get the information corrected but the companies will do nothing. Most recently when I filled a complaint with Equifax they added a second appearance of the same loan on my credit report and reduced my credit score by 104 points. I need help in getting this loan corrected and having this loan reported correctly in my credit file.
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: R.A.Rogers, Inc. (SC)

I set up my payments with them at the beginning of XXXX, the lady I spoke with was very nice she gave me a compliment and she was helpful with giving me details. I called in today XX/XX/XXXX to cancel my payment for the XXXX and start back on the XX/XX/XXXX. The man I spoke to today XXXX XXXX was very rude. He asked me a questio I felt was somewhat discriminating but more so belittling. He said, are you going to make the pmt at all. I stated before he said this I want to cancel my pmt for the XXXX and resume on the XX/XX/XXXX. He was rude was not explaining himself. All he said was I will update and document this. I felt as if he was trying to belittle me as if I am not going to pay it or I don't have any money to pay it off. I spoke with the supervisor and I let her know what happened she said I heard him and all he said that he was going to update it. The reasoning for my review is because I am not use to companies speaking to me the way the XXXX XXXX and the supervisor spoke with me. I was rude back because they did not care what I was saying. If you could play the first phone call I had with the company and the phone call I had today, you would know what I am talking about. I do work for a XXXX XXXX myself and I know all of the practices and regulations you have to follow to pass compliance. I would say that if XXXX XXXX or the supervisor at RA Rogers in Maryland came to my place of work, neither one of them would last a month here. This is the main reason why people hang up or feel some type of way about collections agency. Collectors is branded as rude and irritating people calling consumers phones. I look at collections as helping the future of consumers credit or making them aware of something they possibly let slip through the cracks.
Consumer complaint received 2018-05-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (MD)

Voicemail left on my cell phone stating I owed a debt to Direct Recovery Services, stating this was that last time they will contact me when it was the first XX/XX/18 @ XXXX. Didn't state what I owed or to whom. I have never dealt with that company before. AtXXXX my son 's father ( whom I hardly speak to ) texts me to let me know the same company called him stating I owed a debt and needed to call then and asked him to share my phone number. Again I do not speak to my son 's father and his number is fairly new, not sure how this company got his number. They left phone number XXXX on my cell vm and XXXX with my son 's father also left an acct # XXXX
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (CA)

MY name is XXXX XXXX I recently received a call from a blocked number from a female claiming that she is trying to deliver a package to My son XXXX XXXX. My phone number is XXXX. 
The female said the package needed a signature for delivery. 
I wrote the information down and sent a text to my XXXX XXXX XXXX. See attached. 
My son received the information and called them it turned out it was not a delivery service it was XXXX XXXX XXXX. They were trying to collect on a Wells Fargo account that is out of Statute! They also told my son that because he asked for a statemnt back in 2012 that it reactived the account and started the statute of limitations all over again
Consumer complaint received 2018-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I am a customer at Citibank and have been with them for over 20 years. On XX/XX/XXXX-XX/XX/XXXX my ATM debit card was skimmed as I noticed unauthorized Transactions on my card in the following amounts XX/XX/XXXX {$200.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} Since I have a daily withdrawal limit they were not able to take out more than {$500.00} a day. 
I immediately on XX/XX/XXXX around XXXX reported it to the bank and informed them of what had occurred. Subsequently I also told the bank that the card was in my possession and that I had not given it to anyone or shared my pin. A case was opened up for investigation. My initial request for a refund was denied stating the fact that I had not logged a police report which I was told at the time by customer service was optional. On XX/XX/XXXX. I filed a police report and informed the bank about it and faxed in the details of the report to Citibank. I also filed an appeal which was also subsequently rejected. I asked to see the ATM video and was told that I couldnt see it and again was rejected stating that since the card was in my possession that the charges were not fraudulent. I have not received my money back and I want to see the ATM video to prove it was me who made the withdrawals.
Consumer complaint received 2018-05-22
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: Experian Information Solutions Inc. (MO)

I have contacted XXXX, XXXX, and Experian several times via phone and online many occasion in regards to inquires that I did not authorize or was not familiar with. It makes it look like I have been begging for Credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have i inquires from places I didnt inquire Credit from. I have disputed and reached out to the bureaus several times and they say the same thing over, and over and sometimes they even hang up. The following inquires where not authorized are the following : XXXX XXXX XXXX, XXXX XXXX,XXXX XXXX/ XXXX XXXX  XXXX , XXXX XXXX  XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX
Consumer complaint received 2024-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc. (MI)

On XX/XX/XXXX we requested the payoff from GM financial and we sent the payoff amount to an interested party who was buying our truck. He said he wanted the truck and he was going to wire the money to pay off our amount of {$39000.00} but we were asking XXXX. We talked to GM financial representatives. They said they would cut us a check for the overage we talked to them several times, they said our account would show processing then posted and then account closed when the account was closed we could handover the vehicle. On XX/XX/XXXX, our account showed processing. On XX/XX/XXXX Our account showed paid in full on XX/XX/XXXX it showed a balance of XXXX and the account closed. On that same day, the man came and got the truck. during those days we contacted GM multiple times talk to representatives making sure that this was a good process. It was and it was posted and the account was paid for enclosed. They assured it was fine. Three days later we check the account and it showed we owed XXXX again now our world is turned upside down as have signed the truck over and now they say we owe this money! we would have never signed our title over and handed that truck over if GM financial had told us that The payment was still pending, but they did not tell us that we can not pay this as I just retired after 35 years with my job we were downsizing. Thats the reason why I was selling the truck! we immediately called and filed a police report that we had been scammed by this person who said he was wiring the money to GM financial which he did but what we understand from GM financial that it was reversed or I dont know how that would work, but thats what they said. we have a police report and we have documentation showing that GM financial said our account was closed paid in full and XXXX XXXX  even showed the account closed. We feel that GM financial did not protect us. They failed us and we can not pay this.!! Please Help!!
Consumer complaint received 2018-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

The offense occurred in the XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Washington, DC. 
On XX/XX/XXXX, My fiance and I were attempting to purchase re-sale tickets for admittance to Capital One Arena to watch the XXXX playoff game with the XXXX XXXX vs. the XXXX XXXX on the same date at XXXX hours. 
At approximately XXXX hours, she discovered an advertisement, posting ID # XXXX, on the XXXX website for tickets to the Saturday game located in Section XXXX, XXXX XXXX of the arena. Using the XXXX contact information ( telephone number XXXX ) for XXXX, listed as the seller, my fiance engaged in a text exchange whereby, at approximately XXXX hours, the seller agreed to sell the tickets to us for {$140.00} each, totaling {$280.00}. The seller, requested that the funds be sent via the electronic fund transfer application XXXX, which is now common to most large banking institutions. Seller stated, via text, that upon receipt from us of evidence of the transfer of funds via the XXXX app, seller would transfer the tickets via XXXX. Seller requested that the funds be sent to the email account XXXX via XXXX. 

At approximately XXXX hours, I transferred {$280.00} of US Currency from my Capital One account via XXXX to sellers account, XXXX Payment ID # XXXX. The caption on the payment read XXXX XXXX XXXX Sat XX/XX/XXXX XXXX vs. XXXX. At XXXX hours, seller responded via text to us stating that he needed a moment while transaction processing. After that point, seller did not respond to any text messages from us. Both attempted to call the contact number provided, but were unable to reach seller. At approximately XXXX hours, I emailed seller, but received no response. 
Seller did not deliver the tickets to either of us, as was agreed. 

I contacted Capital One to report the fraudulent activity at XXXX hours. I attempted to stop the transfer, as it was listed as " pending ''. However, Capital One said that was not possible. Capital One reports that the funds were sent to XXXX XXXX account associated with XXXX XXXX. I received claim # XXXX. 

I reported the fraud to the XXXX Police Department, CCN # XXXX. 

I received a letter from Capital One, dated XX/XX/XXXX, which stated that there were no errors in the transaction, and thus my claim was denied. 

On XX/XX/XXXX, I contacted Capital One to question their response, as I had supplemental documentation and a police report, but was never contacted by the bank. The representatives said that was irrelevant, and that the transfer could not be contested because XXXX XXXX   reported that it went to the account to which it was sent. I questioned how the bank could promote the use of XXXX- going so far as to incorporate the service in the bank 's smartphone application- as a safe way to transfer money when they did not stand behind the transactions, even in clear cases of fraud. They basically said it was tough luck.
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We had a Bank of America for 15 years which we used for big purchases and would pay off at the end of the month. On XX/XX/XXXX we were mailed a letter stating that are account was closed. We left on an out of state vacation on XX/XX/XXXX and did not receive the letter. Called Bank of America while we were in Alaska trying to find out find our card was not working and we were told that the account was closed. The service person that we talked to could not tell us why the account had been closed and offered no other help. When asked if the account could be reopened he said that he would have to transfer the call at which time the call ended. We did not carry a balance on the card and were very rarely late on a payment over 15 years. I can not see a reason to cancel the card and then have a rude service person speak down to us while trying to figure out what was going on while we were on vacation.
Consumer complaint received 2024-09-29
Product: Student loan — Private student loan
Issue: Getting a loan — Issues with financial aid services
Company: Navient Solutions, LLC. (CT)

I was convicted of aiding and abetting armed robbery by the US Southern District of New York on XX/XX/XXXX and was sentenced to three years of home detention which was an incarceration. Under the Student Loan laws while under home detention you are incarcerated. An incarcerated student is not eligible to take out student loans and my school knew this about my status and lied and forged documents to enable me to qualify for the private student loans with Sallie Mae even though I was not eligible. When I filed for bankruptcy in XXXX my loans automatically qualified for discharge under this law. I pointed this out to Sallie Mae and they quickly transferred my loans to Navient. And under the 20 U.S.C. 1091 ( b ) ( 5 ). I was not eligible for the loans and should have been automatically discharged during my Bankruptcy filing in XXXX. Navient refused to follow the law and ruined my credit for many years took payments from me that were made under a fraudulent lending agreement that put me in poverty for over 15 years and still haunts me to this day. I should be included in the XXXX settlement and all my loans should be canceled and my payments returned as I did not qualify for the loan in the first place and was automatically eligible for bankruptcy discharge. My mother co-signed the loans XXXX Cousins who also should have qualified for bankruptcy discharge in XXXX and was denied as my co-signer and her credit suffers and continues to suffer today because of the loans that originated illegally.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

The items in dispute are as follows : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

On XX/XX/XXXX, I attempted to make a purchase online and I realized I didn't have funds available. I immediately contacted XXXX XXXX  and reported that I didn't authorize any transactions done on my account. They told me they had immediately put a stop on my account and a hold on both pending transactions in the amounts of {$52.00} transaction # XXXX and the second of {$310.00} transaction # XXXX. They told me to call XXXX which was where the pending transactions were from, to put a hold there as well. XXXX did their part and held the transactions. XXXX told me they would refund me my money within 2-5 business days. The days passed and there was no refund so I called XXXX XXXX  and I asked them if they had received the funds and they stated that they had not. I called XXXX once again and they said that they had already placed the funds in my account. I called XXXX XXXX  once again and asked them to send me a new card so that I could see when my funds were going to be deposited since they had canceled the one I still had. When I received the card I saw that XXXX did not send me my funds. I called XXXX and said I hadn't received my funds even though I had already received my new card. They stated I had to speak with their manager and so I did with a translator and he told me I had to file a dispute with XXXX XXXX  in order to receive my funds. By this time 2 months had already passed. XX/XX/XXXX XXXX XXXX said they would send me an email so I that I could file my dispute online, but I never received it. I call them and tell them I had not received the email and they stated they would resend it. I received that one XX/XX/XXXX and fill it out and send it by mail. 15 days later I receive a letter dated XXXX XXXX stating that they have completed their investigation and that my claim was outside of the recovery effort timeline and that I no longer had a right to recovery. 6 days later on XX/XX/XXXX I receive a check from them in the amount of {$5.00} which was my remaining balance. I call them and asked why had they canceled my dispute and they said that there was absolutely nothing they could do for me. They insisted I call XXXX and ask for my funds back. So once again i go ahead and call XXXX and they tell me that they do have my funds, but that they need XXXX XXXX to send them my dispute to refund me my funds. I called XXXX XXXX for the last time and told them what I was told by XXXX and they said they couldn't help me. So now i'm here after this whole run around.