davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Crow Creek Sioux Tribe (PA)

For XXXX I foolishly took out a loan through web loan not knowing it was 328 % interest. Online you can apply and a third party shoes who would lend you . I wanted to find a lower interest rate. I realized non of these loans are low interest and was unpleased and stopped the process. I made arrangements to pay the loan with my tax return. In XXXX I also made arrangements to aggressively pay off a bill I was very late on. I made arrangements for a monthly withdrawal. I called this company to see if I was officially paid off. As I had 5 payments of XXXX taking out of my account resulting in the payoff balance. They said I had not paid because the money was not available and they stopped auto withdrawals. I immediately panicked and grabbed all of my statements. XXXX  ( I thought the loan creditor ) turned out to be a payday loan. I never even heard of the company and did not accept or authorize any loan. I went through my back statements and saw in XX/XX/800 $ was deposited to my account. I had not noticed as my union was making retro payments for our new contract in about the same amount. I called the company and asked how they had access to my account? I didnt authorize, ask for etc. they said someone left a message saying congrats you got the loan ( my info must have been from seeking lower interest rate and not going with another such loan after researching them ). They said I also got an email which I found in spam. They said they had the right to sign my name even though I had no contact with this lender. I was extremely upset and told them to end the loan close it and put it in writing. They said I would need to file police reports on anyone who had access to my account. Which would be them. So here I am the loan I thought I was paying off didnt get paid, this company I have never heard of received XXXX $ of my money claim I owe XXXX $ more on this XXXX $ I never authorized. Is this legal. Im horrified, I feel stupid and my family is going to suffer for all of this lost money? Any help or advice would be appreciated I just can not believe it is legal without an approval?
Consumer complaint received 2016-12-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

We opened an account several years ago with Wachovia called Crown Classic Banking, later they were bought out by Wells Fargo and our account was moved with them. This account for us was a dormant account since we only planned to use it in the case of a medical emergency. Wells Fargo agreed to the same fees and terms of our agreement with Wachovia which were that we suppose to maintain a minimum balance of {$1000.00}, which later changed to {$1500.00} but since we had more money there than that, we continue with the account. We transferred a large IRA Account and small IRA 's CD, and without our consent, they put us under a new product called Wells Fargo, PMA Package, this product required to have a minimum balance combined with all our accounts of over {$25000.00} of linked FDIC accounts or {$50000.00} on our accounts. We never knew that we were on this PMA Package since they move us to online statements. We were receiving statements for our IRA 's and we thought that we were not receiving statements of our emergency account because the account was dormant. We moved from Wells Fargo most of our IRA 's and left the emergency account there because we used it for our Safety Deposit Box and medical emergency. A year and several months later we learned that they were deducting {$30.00} XXXX every month for not being under the PMA Package, even if the checking account still named Crown Classic. They deducted {$30.00} XXXX every month from XX/XX/XXXX to XX/XX/XXXX for a total of {$570.00} XXXX. We trusted them so when I went to the branch to check my wife 's IRA they told me that my account was dormant and that I need to deposit more money which I did a couple of occasions. How can an account be dormant if they are withdrawing money every month?! When we realized about this happening on XX/XX/XXXX we talked to every person at the bank, we asked who authorized the change to a PMA Package account because we did not ; they did not provide us a document signed by us that could prove that. We even spoke with the District manager, she said they sent statements to our house, which was not true. Finally, they accepted their mistake but they said they only could reimburse us for XXXX fees, which they did by stopping the fee for XX/XX/XXXX and reimbursing us {$60.00} XXXX for the month of XXXX and XX/XX/XXXX. So basically we lost {$480.00} XXXX for being moved to an account we never authorized or asked. We trusted them with our emergency money and they failed. We trusted them because my aunt worked over 50+ years for them until she retired. We closed our accounts with them as soon as our Safety Deposit Box was due 3 months later and we never want to bank again with them. I do not understand how the bank could move us to another of their products without our approval and authorization. I hope you can help us with this issue.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

Of the XXXX credit reporting agencies at www.annualcreditreport.com, only XXXX will let me access my information online. 

EQUIFAX will not allow me access online. First they ask for information which you would need the credit report to know. What is more alarming is they asked me to answer which company I got a mortgage from in 2015 to verify my identity. I did not get a mortgage in 2015! Now I ca n't get access to my credit report to see if there has been identity theft! To submit a request for my EQUIFAX credit report through the mail will take weeks, at best. 

XXXX is even worse. Submit a request for the annual free credit report via www.annualcreditreport.com for XXXX, and you get a full-screen solicitation to purchase XXXX credit monitoring service for {$19.00} a month with NO OPTION to go beyond that page except accepting the free trial offer, which brings you to their enrollment for credit monitoring page. You simply CAN NOT access the XXXX credit report from www.annualcreditreport.com. They not only wo n't provide my credit report, as required by law, they TRY TO SELL ME SOMETHING INSTEAD! Unbelievable!!! 

Please enforce the rules requiring the credit reporting agencies to provide a free credit report to consumers each year. 
Consumers should not have to jump through ridiculous hoops and wait weeks to get what is rightfully theirs by law. 
I also think it is vastly inappropriate to have solicitation offers be linked or connected in any way to www.annualcreditreport.com. 
Thank you.
Consumer complaint received 2020-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (WI)

On XX/XX/XXXX I received an email notification to my current email address XXXX from XXXX XXXX  that some one attempted to run my credit through synchrony bank and PayPal. i have used PayPal but in the past. I currently have a PayPal set up under my school email at XXXX XXXX XXXX XXXX  that's the one i use i got hacked and locked out of the other one. I called XXXX and there sending me a free credit report. also they verified with me that i have a fraud alert initial and extended that is place till XXXX. I also have a security alert and credit freeze with all three buraus though that stops accounts and transactions from being ran through and approved. it doesn't stop third party from attempting. I feel attempting to run something through some one else is still a crime even if its blocked and declined. I had no choice but to file this complaint to notify the feds that I recently moved and changed phone numbers. my old phone number is is not remembered at this time. my new number is XXXX my old address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX wi XXXX note this was a group home called XXXX XXXX which I know longer live at or am affiliated with. in XX/XX/XXXX i moved from the group home in XXXX XXXX, to the XXXX house at XXXX XXXX XXXX XXXX XXXX, wi XXXX this was also a transition apartment owned by the XXXX XXXX XXXX home owners. i left there in XX/XX/XXXX to move in to my own place in XXXX XXXX. my current address is XXXX XXXX XXXX XXXX XXXX wi XXXX after calling XXXX i attempted to check with PayPal my old account is still registered to my current email but im not getting the pass word resets because the text codes are going to who ever owns my old phone number. i was unable to reach a live person at pay pal and synchrony bank. please help me investigate this.
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/19 is the last day i had my debit card i made a purchase that day.that same day my card was lost and fraudulantly used in multiple things includeing a fraudulant claim made with chase and fraudulant deposits and fraudulant withdrawls and fraudulant transactions totaling over XXXX $ chase is denying my dispute for multipe inconsistencies/red flags which include my pin was used and writen down whitch is not enough to deny my claim accourding to the laws protecting me as a bank consumer and they refuse to use audio and video footage to prove it wasnt me they stated that thats not evidence. another inconsistency was that my account was being moniterd by a trusted device around the days of the charges and nothing was reported i do not remember looking at my account and i tried telling them other people has access to my account overview and that i had no idea of knowing about the transactions. also they said a day or two before i reported i lost my card charges were denied on my account because chase thought they were fraud and they never showed up on my statement and i wasnt notifed so how could i know they whouldnt tell me what they were either so i might of made those charges and i might not of how could i know if i am not told what they are. also i recieved the two fraudulant that someone tried depositing in my account from chase in the mail and ive never even heard of the place writen on the checks and the signiture on the back is not even close to my signiture and they have my signature on file. they have already taken money out of my joint accounts trying to get the money they think there owed back this is ridicouls and all chase can tell me is to find evidence and show them and that this is a unfortuite sittuation.none of there so called inconsistencies make sense or dont hold up and they cant deny my dispute because i wrote the pin on my debit card but they are.please help!
Consumer complaint received 2017-01-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (IL)

I completed an on-line complaint ( XXXX ) on XX/XX/XXXX regarding harassing calls from XXXX. Starting XXXX, it appears that the company is using another phone number to continue the harassment. The new phone number being used is XXXX. The only identification is " cellular call ''. I have " Googled '' both numbers and other individuals say that they also, have been harassed by both telephone numbers and that Midland Credit Management is the caller. The calls occur on a daily basis, sometimes multiple calls a day.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

I have tried fro two months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time. Attached is the last letter i sent this credit reporting agency
Consumer complaint received 2016-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NJ)

credit collection services XXXX XXXX XXXX XXXX ma XXXX is collecting for XXXX. file # XXXX XXXX acct XXXX for {$460.00}. I wrote to XXXX and CCS about the amount which is wrong. I had secured other auto insurance. XXXX is trying to say this is owed for 20 days?! not true when my monthly payment was {$160.00} for 30 days! I am asking for you to step in and investigate.
Consumer complaint received 2019-02-04
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: Nelnet, Inc. (PA)

I was a victim of identity theft. Upon realizing that this had happened after pulling my credit report for the first time a couple years ago, I realized that there were items on my report that I had no idea what they were. I immediately searched for the name of the companies and guidance on how to resolve this matter. I was directed to the FTC to file a report that would remove these accounts from my credit report ( s ). The report would also serve as my " police report '' hence the accounts are out of the limitation to be handled by the local authorities ( per the pd ). One of the accounts was changed quite a few times. Two of the three reporting agencies updated my report very quickly, removing all of the items that were on my FTC report. XXXX was the easiest and most helpful. XXXX  has been accessible but some of the items took a while to remove. The 3rd ( that this complaint is about ) is XXXX. They keep checking my disputes ( which take fairly long ) and come back saying that they are mine. I called them so many times to explain that the other reporting agencies have deleted them and to check my FTC claim. When I further explain that the company went from one company name to another, they don't understand why I am upset because they removed the old accounts under the old name, but left the same accounts with the newer name. When i call to further explain or complain, they ask me a series of questions that are for my protection as they claim ... .the problem is, and I tell them this, the questions they ask are about accounts on my credit file that DO NOT BELONG TO ME, therefore i can not answer them. I give them all information about accounts that are mine and still cant get any headway with them. I don't understand how 2 out of the 3 are updated to reflect my actual accounts, but this company can not get on the same page. I have been dealing with this for a couple years now and it is really hindering my score & affecting my ability to do anything that pulls from XXXX. When i call them, they are like robots ... they do not listen or try to help when i say things like i don't own the accounts that you are asking me about so i can not answer them. If they delete the original accounts, why do they keep the same accounts that just changed names or hand offs?? I am also including the information that i sent to the companies reporting info to the credit bureau 's. I am being penalized and harassed by collectors for things that are not mine.
Consumer complaint received 2016-07-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credence Resource Management, LLC (CA)

Received a collection bill from Credence Management LLC stating they collecting on behalf of XXXX XXXX XXXX. These collections from Credence Management LLC was on behalf of : Creditor : XXXX XXXX XXXX Creditor Account Number : XXXX Credence Reference ID : XXXX This bill is for an XXXX over 2 years ago ( XXXX 2014 ). I have lived in my current addresses for years and I never received an XXXX bill. I contacted my insurance and they stated all XXXX cost share/co pays paid by me is {$0.00} and any and all payments have been paid to by insurance company with an outstanding balance of {$0.00}. Multiple attempts were made by my insurance company to contact both Credence Management LLC and XXXX XXXX XXXX, but both companies refer to the other. Both companies did not give given sufficient information, or correct information or cause to my insurance. My insurance is confused and she never dealt with this type of side-stepping before. I also tried to call the phone number listed XXXX, but this number is transferred to an offshore location ( XXXX ). I could not get a clear picture of what was going on from the person and they transferred to his management. After waiting for an extended period of time, I hung up. 

I sent a certified letters ( to XXXX Credence Management LLC locations - XXXX, XXXX and XXXX, XXXX ) ), per their instruction, stating I am writing to dispute the validity of this debt or any portion thereof and request a copy of this debt or judgement. 

There is something strange/fishy going on here. I feel they are trying to phish for information and/or receive money that I do not owe.
Consumer complaint received 2019-02-05
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. (NH)

I have attached a copy of the Consumer Financial Protection Bureau order of XX/XX/2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the XX/XX/2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s  ) posted on XXXX, Equifax and XXXX XXXX respectfully. Since the XX/XX/2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s )  to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Consumer complaint received 2019-02-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OR)

I am serving as a XXXX  at a XXXX XXXX in part because after 10 years my loans are supposed to be forgiven under the Public Service Loan Forgiveness Program ( PSLF ). 

I recently certified my employment and was informed by XXXX  that only 5 of my payments in XX/XX/2018 were " Qualifying Payments '' for PSLF. The other 7 payments were not counted because the payments were prepaid. 

XXXX does not publicize their very counterintuitive policy that a prepaid payment is not an on time payment under PSLF. XXXX on their website describing PSLF requirements writes : " If you make a payment for more than the scheduled payment amount, the excess amount may be applied to cover all or part of one or more future payments, unless you request otherwise. Depending on how much extra you pay, its possible that your next due date could be a month or more in the future from the date you made the extra payment amount. This is called being paid ahead. If you make subsequent payments during a period when you are paid ahead, those payments wont count toward PSLF. '' This is deceptive and suggests only that additional payments made during the paid ahead status time will not count towards PSLF, not that none of the payment applied to future payments will qualify. There is also nothing in the congressional record to suggest that when Congress passed legislation authorizing PSLF, it intended prepayments to be excluded from Qualifying Payments. 

Furthermore, XXXX informed me that where the prepaid money comes from AmeriCorps or PeaceCorps grants, the prepayment is counted towards Qualifying Payments. My prepayment was the result of a National Health Services Corps ( NHSC ) grant ( https : //nhsc.hrsa.gov/loan-repayment/index.html ). These are similar federal grant programs that offer student loan repayment money as an incentive, and there is no reason why XXXX should treat different from PeaceCorps or AmeriCorps.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (ND)

XX/XX/2016 I called Citi credit card co. to get the payoff amount of my credit card, {$610.00}. I explained to the person at Citi that I would like to make the payment through BILL Pay XXXX XXXX because that is where all the other monthly payments were made. I explained that the payment would arrive about 5 to 7 days late and if that was OK I would proceed with the payment. I cut up the credit card and made what I assumed was my final payment. Citi did charge me a late fee of {$25.00} and I was not aware of this until they started calling me in XX/XX/XXXX. I did receive Citi card mail but was not aware it was a late fee but thought it was just information about my cash rewards and other offers so I never opened the mail but put them in the trash. To date my account is at {$120.00} because of late fees on top of late fees. Citi agreed to reduce it {$86.00}. but I feel I paid them in full when I called in to get the payoff amount. They have no record of this call. Do I have any rights or do I need to just pay the ridiculous late fees?