davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Neon Newco Corporation (WY)

Dear Sir or miss On XXXX XXXX I buy a airline ticked with my debit car net Spend to fly to the XXXX XXXX from XXXX XXXX Wyoming the ticket was {$350.00} however the whether was bad the streets where close and I dint make it to the airport I call the airline 2 day before to tell them the situation I also call my credit card company They told me to submit the my airline ticket witch I di it after few days they give me a refund for the XXXX them they took it again is XX/XX/XXXX and I am still in Wyoming trying to get my money back but they say no the case it has been close and they are not going to give me my money I di everything they told me to
Consumer complaint received 2016-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I was originally told of a debt with XXXX back in XXXX of XXXX. So I paid it. Now 5 Years later they are claiming I had XXXX accounts with XXXX. I asked the agency for proof of both debts and they told me they did n't have to provide that. I states if i request it you do its the law. They said no. I called XXXX They stated the account was closed in XXXX yet the collector states this was owed in XXXX. The information from XXXX is not matching the debt the collection agency is trying to collect on.
Consumer complaint received 2016-02-04
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Navient Solutions, LLC. (FL)

This complaint involves unlawful third-party contact in an attempt to find a relative. After receiving numerous letters attempting to locate a family member with whom I am no longer in contact, I wrote Navient in XXXX, XXXX and demanded that they stop contact. In XXXX, XXXX, Navient attempted to contact me again on my mobile phone and through the mail. By law, Navient may only contact once and must cease when asked to do so. They have never been authorized by me to call my mobile phone. They have abided by no provision of the law created to protect me. The name of the customer/account holder is XXXX XXXX XXXX ; address XXXX XXXX XXXX XXXX ; XXXX, FL XXXX.
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: First Data Corporation (CA)

My prepaid visa debit card was suspended. I was told I needed to fax them XXXX current id 's which I did. Now they say they need proof of address because I use a po box . I am a motorhome salesman and do n't have a home address. I stay at different campgrounds. They wo n't send my funds to my po box and close my account. It seems they just want to keep my money and keep my card inactive even though the balance shows over XXXX dollars.
Consumer complaint received 2016-03-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (AL)

Despite signing up for auto debit, which includes automatic forbearance while it is processed, Navient continues to call cosigner to collect payment. In XXXX 2016, each time I called customer service, I was transferred from department to department as my account is a " special collections '' account which has to be handled by a " special collections '' department. Twice when I called I was never able to be transferred to the correct department or associate. 

They refuse to conduct business via email, despite offering email on the website as a contact option. The " special collections '' department can only be accessed through a transfer by another representative. Additionally, in XXXX 2016, I requested multiple times when prompted by the phone reps to have my account removed from all phone contact. Yet they are still calling cosigner misrepresenting that I have made no payment arrangements. There had been issues with the misapplication of payments to the interest and principal of the loan, and I owed a much lower amount for XXXX and nothing for XXXX. 

I have previously requested forbearance due to unemployment and financial difficulty and they make you pay {$150.00} for 3 months of forbearance. I am waiting to see if they will charge the {$150.00} forbearance fee this time. I also wonder if every customer has to pay {$150.00} for forbearance. They have provided no information how they determine who has to pay the fee, and if they ever waive it for any customers.
Consumer complaint received 2015-07-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One changed the interest rate on my credit card account from 0 % to 12.90 % APR without any notification that this change was taking place. As a result, I had no time to remit payment in full on my account prior to the interest charges beginning to accrue.
Consumer complaint received 2016-02-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ZIONS BANCORPORATION (NV)

I have a checking account with Nevada State Bank in XXXX, Nv. I stopped using this account because I thought the bank 's service was very poor. I did not realize that I still had an auto pay for my insurance. By the time I found out that I was overdrawn I had over {$260.00} in fees and there was no payment made to my insurance company. A basic charge for XXXX overdrafts and a daily fee which would have continued had my insurance co. not contacted me. I was never contacted by my bank and was told this was only a courtesy and they did not have to contact me. No call no letter, nothing.
Consumer complaint received 2016-02-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

3 years ago I filed bankruptcy. There was no reaffirmation of my mortgage done at that time, and my lawyer did not advise me that I needed to do so. I 've been seeing the same paragraph on my mortgage statement every month, but I never took the time to call them, until today, to find out what it really means. They told me that until I reaffirm my mortgage with them, they will not report any payments I am making to the credit bureaus. In fact, my report shows that my loan is closed and paid. It is not. It has a balance of {$82000.00} that I have paid religiously every month on time, with no late payments. I believe my lender is reporting false information to the credit bureaus by stating the account is closed, when in fact it is not. I also believe I have the right to receive credit for payments made whether or not I filed bankruptcy, and to have accurate information given to credit reporting agencies.
Consumer complaint received 2016-02-06
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Credit Consulting Services, Inc. (CA)

I was being inundated with phone calls from this company and threatened with a law suit if I did n't pay. The next thing I know someone appeared at my door and said he way a process sever and I was being sued by Credit Consulting. 
I called them immediately and made arrangements to pay them. After I paid them a total of {$1500.00} I was told I needed to make a lump sum payment of {$2000.00}. I advised them I did not have the money to pay all at once but that I could continue with our previous arrangement of {$500.00} every three weeks. I was told that I needed to hurry up and pay the lump sum or I would be taken to court. 
I told them I would call back. After that, I called my previous employer and asked why the medical bills was never paid and they told me I was not supposed to pay the bills because I had coverage but they were never submitted to my insurance for payment. 
I did try to explain to the representative from Credit Consulting in the beginning that I had insurance but was told this was the balanced I owed from what my insurance already paid, so when they threatened me with a law suit I agreed to pay them because I was scared and they had already placed the accounts on my credit. Now I have paid them {$1500.00} of money that I had to borrow and I do n't even owe them and they have damaged my credit.
Consumer complaint received 2016-02-06
Product: Credit card — 
Issue: Sale of account — 
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

After being the authorized user on a credit card with First National Bank of Omaha, they transferred my account to XXXX. After transferring the account, they never updated any information on my credit report. I submitted a formal request to have the information updated, and they received the certified letter on XXXX/XXXX/2015. Since then, I have heard nothing. After calling their customer service center requesting a document that showed that the account was transferred, I was told there was nothing that their company could do as they no longer had information on the account, despite the representative being aware and having knowledge of the accounts being transferred to XXXX. It is intolerable that over 30 days later I have received no information or updates from them, and that their customer service representatives know of the transfer but their reporting and collections department have not done their due diligence in reporting correct information to the credit reporting agencies.
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

1 ) wells Fargo sold my home when they said I was under review I had XXXX set of copies I sent the XXXX set via XXXX they told me they did n't received all the paperwork I also had to fax missing documents then I was told there was deadline but I never received any letter for the deadline and I never received notice of the date for sale date, the bank set up mediations while I was in active bankracty the note on my home on public record said superior mortage it was n't until after I was served that my note was changed, I was being charged 14 % an adjustable rate when I ask for a hamp modification I get adjustable arm with the last payment being XXXX so it was adjustable arm with a balloon payment at the end that suppose to help homeowner, I was had force insurance put on my home when I had insurances but I later found out class action suit because they were doing it to all there clients I believe this is fraud foreclosure.
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

in violations of the federal governmental housing regulations per the home loan mortgage foreclosure procedures by law the bank first legal step was to file and have me served with a NOTICE OF DEFAULT in missing payments of the mortgage loan in a non judicial filing the notice of default should have been filed with the XXXX recorder office where my real estate property is located per a judicial court foreclosure filing the XXXX court should have served me with a court complaint with a case number concerning the notice of default as the homeowner legal rights by law to payoff the total default loan amount and stop the the bank foreclosure process and this procedure by law should have only been taken AFTER the bank made all legal efforts to modify the mortgage loan for refinancing AS THE BANK DID NOT COMPLY AS TO BE IN COMPLIANCE WITH THE XXXX STATE AND FEDERAL AGENCIES LAWS BEFORE EXECUTED AN IMPROPER HOMEOWNER 'S FORECLOSURE EVICTION thank you.
Consumer complaint received 2016-03-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (NC)

I made and a purchase on the XXXX XXXX, later on XXXX XXXX I canceled my order and was told nothing will be shipped and that they would only give a very small partial refund which I refused stating I would just bring it up with my bank. After that, I contacted Wells Fargo and filed a complaint and was flatly refused a chargeback despite the fact that I paid and received nothing in return. So I spend {$1200.00} and get nothing in return and thats ok?
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXX/XX/year>
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2016-03-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

I had a XXXX XXXX credit card. I had unexpected medical bills so I called all the credit card companies to see if they work with me in interest rate and lower payments. XXXX XXXX agreed to let me pay {$50.00} a month. They never sent a statement after that and drafted the money out of my account every month probable over a year. Then a couple of months there was nothing. The next thing a policeman shows up at my door serving me papers where they had turned it over to Hannah and Associates. I did n't want to go to court so I set up payments with Hannah and Assoc. I do n't if that is what I owe them. I never received a letter from XXXX XXXX saying they were turning my account over. Never received statement from XXXX XXXX and never received anything from Hannah and Associates as proof that I owed the amount they said I owed. I have been paying them for well over a year and now I get a letter saying to mail my payment to XXXX XXXX XXXX attorney at law. Do I need to request that they send proof of the amount they say I owe. I do not feel like I owe that much and why would attorney turn it over to another attorney. I feel like they are scamming me.
Consumer complaint received 2016-03-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (IL)

I 've been faithfully paying to Genesis lending since I was enrolled in school, monthly. I made sure my payments were always on time so my credit would n't go down. I then found out that the school I attended was closing, and my private loan was being sold to another company. Even though I 've still been making payments, there is no history of my previous ones to Genesis Lending, nor has it been reported to credit bureaus about on time payments. I do n't understand why I still need to make payments if this was a scam and the school forced this loan on me.
Consumer complaint received 2016-02-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (IL)

Our new loan accepted the first payment for XXXX XXXX but locked out the XXXX XXXX payment. It did not clear year. Found out late XXXX that Homebridge Financial froze old loan and wants a payoff through extra doubled up of prepaid interest due for XXXX XXXX XXXX. The new loan already that I signed XXXX XXXX XXXX XXXX with the payoff upped the loan amount as well as the old pay off had the interest figured in. Nobody can tell me why and have the figures laid out of why. My closing costs on old loan XXXX to reestablish escrows. They want another XXXX to fix their problem but not addressing why.
Consumer complaint received 2016-02-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates , LLC out of XXXX, XXXX is attempting to collect on a debt that exceeds the statute of limitations of 7 years. This debt was part of a divorce decree filed in XXXX County, XXXX in 2003. As of today 's date, that makes the debt more or less 13 years old, thereby exceeding their jurisdiction. In addition this debt has been sold three times to different creditors and I do not believe the statute of limitations resets itself in order to satisfy a debt. It also states on their letter that if the amount exceeds XXXX dollars they " may '' report it to the IRS which is predatory collection practices.
Consumer complaint received 2016-02-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO. (MI)

I have a student loan with XXXX/JP Morgan CHASE BANK. First part of accont number is XXXX. My name is XXXX XXXX. Was XXXX XXXX at time of loan. My account is currently in deferral. I have contacted this company on several occasions. XXXX sends me back to JP Morgan Chas and JP Morgan Chase sends me back to ACS. I can not get any assistance with this matter. On XXXX of 2013 my student loan was reported as ok. Then on XXXX 2013 my loan is reported as sixty days late! This is impossible. How can you be 60 days late when you were ok the month prior. I am currently applying to XXXX school. This 60 late is incorrect and needs to be removed from my credit report.
Consumer complaint received 2016-02-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have received six phone calls and messages from Capital One ( XXXX ). My phone number is XXXX. I am on a no call registry and I assume they are trying to reach XXXX XXXX, the previous person assigned this phone number. I have had this phone number for the past year, but constantly get debt collection calls from various companies ( XXXX XXXX, XXXX, XXXX, XXXX ) You were so helpful in helping to stop XXXX XXXX from harassing me. I have Never had any dealings with Capitol One and they regularly call twice a day. I do not pick up.
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (FL)

I have been disputing with Equifax since the mid XXXX XXXX regarding these accounts. Both XXXX and XXXX have made corrections I filed bankruptcy XXXX XXXX and discharged the first and second mortages from XXXX and XXXX. The ex, who became legally responsible for payment at that time, made several late payments in XXXX. Equifax has continued to report these XXXX late payments on my credit even though it is illegal to report on accounts discharged in bankruptcy following the bankruptcy. This is a direct violation of the injunction of my bankruptcy from XXXX. It is nothing short of criminal behavior, and Equifax continues to stall on revocation of their reports, causing me to lose opportunities to make future financial agreements.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NY)

In addition to Experian NOT completing my disputes using the information I provided, I was charged to use Experian.coms website to get my supposed free results of a dispute XXXX months ago. I was sent an email and a link to see results of my dispute and when I hit the link, I was given a response of " We can not provide your results online at this time ''. I asked a rep why this was and they suggested using the experian credit tracker instead. I was told I had to give credit information and was charged each month since almost {$25.00} per month. I called a rep today to cancel this and asked for a refund and was only given XXXX month as a " Courtesy ''. I am sick and tired of dealing this this company. They continue to tell me my disputes are frivolous, they charged me for a free result of a dispute result and they send me form letters saying they will not honor any of my disputes unless I provide new information. I 'd love to be able to, but they continue to validate numerous XXXX accounts and Court records using false information, then telling me it came back verified. Why are XXXX and XXXX able to do manual investigations and Experian not? They are clearly not investigating using the information I have provided and match these accounts with my name only, never looking further to see that the name XXXX XXXX does not legally exist or was ever attached to anything on these accounts with me. Then to add insult to injury, they tricked me into paying for credit monitoring to get results from an investigation I did back in XX/XX/XXXX of this year.