davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX account is not my account and was open as an result of identity theft FTC Report # : XXXX Experian and XXXX refuse to remove account.
Consumer complaint received 2018-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

My student loans were bought by Navient several months ago. I am on an income-based repayment plan and have been since XXXX. My payment is {$390.00} per month. My IBR plan application renews every XXXX and I always send my application in extra early. This year I faxed my application with income verification to them on XX/XX/XXXX. On XX/XX/XXXX, I received email confirmation from Navient that they received my application and that it would take 32 to 35 business days to process. Recently, I received another email from Navient stating that my payments were increasing to {$880.00} per month. I tried to email Navient and the email came back to me, stating that I could not respond to their email. I tried calling Navient and did choose IBR plan on the phone tree, hoping to speak with someone, but instead, got an automated message stating only that I could download the application from their website. I didn't need an application, as I had already downloaded one from their site and faxed my IBR app to them two months previous. There were no options on their phone tree to speak to a CS rep ( I tried pushing zero and using voice activation to request to speak to a rep but the call was simply terminated ) or communicate via email with Navient customer service about this issue. On XX/XX/XXXX they have the ability to take {$880.00} out of my bank account without my permission and after apparently not even processing my IBR application or making any attempt to get in touch with me if they did! I can not afford this payment and have no way to speak with Navient about it. I feel this is extremely unethical and egregious. I am including the email Navient sent me on XX/XX/XXXX stating that they had received my IBR application. If there were any problems with my application, no one ever contacted me from Navient. I simply don't believe they've ever processed my application. It's no wonder that attorney generals in seven states are suing Navient for unethical practices! Since Navient refuses to offer a portal to communicate with their clients, I am requesting CFPB fully investigate this matter with my Navient account. 
Thank you very much for your attention to this case.
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

Well Horrible experience, If I can give in -ve I will give it. 
They did not open my checking account in a proper way ( Either the  person who opened my account did not know how to open for non immigrant or XXXX XXXX is wrong ) and chase bank deduct {$72.00} as tax withholding from my account. 
I have provided all correct information on very first day with all proofs. Then once i got the withholding I called the customer service they said I need to fill form and contact the branch then everything ll be sought out. 
I called the branch and the the person said they will take care of it. They asked me to fill some another form and it failed again because they forgot to take signature once more. I went again to fill the form. 
After few days I again got a letter from Chase that I have a incomplete form, I called the branch and they said come again and we will fill it again. I was like why again and again it's not a rocket science. 
I called customer care gain and they said they have it and i do not need to send it again ( Branch was not even smart enough to do it ). 
Now by god 's grace in 2.5 month bank and branch is able to fill my correct forms but they are not going to refund my money which they keep for withholding. 
Branch is not even taking a responsibility for working on my refund and said they have called the bank and we have a case number, Now you can follow up with them. 
Really I have keep following up with you and branch for you mess up when you and your system can not do job right at first time. It's not my mistake then why I have to pay for someone else mess up. 
Customer service it saying that you can hire a tax representative for XX/XX/2018 tax refund and get your money back from federal government. So now I will spend around 200-300 to get my {$72.00} back This branch has no inexperienced people and bank is also not taking the responsibility. 
Do anyone know what can I do more and get my money back from bank and branch ... ... 
I am going to post this as many place I can and ask people what to do ... ..This is the only option I have now ....
Consumer complaint received 2018-07-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (GA)

I received a letter on XXXX-XXXX-2018 from Citi dated XXXX-XXXX-2018 explaining that I made a payment on XXXX-XXXX-2018 in the amount of {$69.00}. I have tried to explain to them that I did not make this payment or the info in the letter regarding this XXXX account number does not belong to me. This must have been an error on Citi part for entering the incorrect account number. Citi has yet to get this matter resolve and remove this payment off my account. I always pay my account online in full every month. There was no need to make any payment arrangements. Please review for correction. I have enclosed a copy of the letter from citi and my account showing the payment entered incorrectly.
Consumer complaint received 2018-04-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I, along with my Mother and Daughter continue to receive threating phone calls of lawsuits and fraud from someone named who claims he works for XXXX XXXX XXXX. He continues to give out my personal information to my family members and calls them all throughout the day. He claims he is acting on behalf of Ace Cash Express but I spoke to them and he, nor his company has anything to do with them. This has been happening for the past three weeks.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I have filed a dispute with XXXX, XXXX, & Experian about information being reported on my credit that is not mine. I also spoke with my local court who informed me that they did not report a bankruptcy or any other information about me to the credit bureaus or anyone else. I don't feel as if they should be able to report inaccurate unverified information about me that is tarnishing my credit. I want this issue resolved immediately.
Consumer complaint received 2018-01-16
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: Experian Information Solutions Inc. (TN)

Good morning. There are inquiries on my Experian credit report that I did not authorize. I 've called and written them letters and I 've yet to get a response. Below are the inquiries that I did n't authorize. 

XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NJ)

We had a Discover Card. When my husband 's business went under, it was one of the monthly debts we stopped paying. That debt was purchased by XXXX & XXXX from NJ. The firm got a judgment against us in the amount of $ XXXX. We did owe the money and entered into a monthly payment plan with them. They do not send monthly statements or receipt of payments. We would like to know our balance and get a receipt when a payment is made -- if not monthly -- at least quarterly. 

We had been making payments faithfully for 2 years and we were late one month -- just outright forgot. Not hard to do since we do not get any statements from them. It's due the XXXX of the month. I went to pay it online on the XXXX of the next month only to find out they had cancelled the agreement. Also, you can not go onto their website and make a partial payment ( if you wanted to split it up over the month ). 

We were able to get the agreement reinstated but they asked for an even bigger monthly payment. We did not agree to it. My complaint is about their business practices -- no statements, no receipts, no updated balances but they have no problem rescinding an agreement immediately when a payment is not made. They should be obligated to send out statements and keep consumers informed. 

If I knew what I know now, I would definitely have negotiated the debt down. This law firm are bottom feeders and should be held to better standards. They prey on too many vulnerable people and should be sanctioned.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have filed a dispute with Equifax, XXXX, & XXXX about information being reported on my credit that is not mine. I also spoke with my local court who informed me that they did not report a bankruptcy or any other information about me to the credit bureaus or anyone else. I don't feel as if they should be able to report inaccurate unverified information about me that is tarnishing my credit. I want this issue resolved immediately.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXX and XXXX XXXX XXXX. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

EQUIFAX REPORTING THE ERROR XXXX XXXX XXXX  XXXX Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Consumer complaint received 2018-04-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A. (FL)

I've financed a car with PNC Bank for 5 years now. This year the car was scheduled to be paid off. Being in XXXX Florida I was affected by Hurricane Irma in XX/XX/XXXX. PNC Bank and FEMA partnered together on a program to offer their clients within the specified disaster area a way to assist them with any hardships the Hurricane may have caused. I was enrolled in this program which included a 2 month extension to assist me during this time. I do not recall filling out any documentation for this program, and I could imagine there was a good amount of people who were affected. After I made the next payment that was due on XX/XX/XXXX,  I was told by one of the service reps at the bank in XX/XX/XXXX that I qualified for an additional 2 month extension. I was offered a 1 month extension by the service rep at PNC Bank. Then she mentioned that I actually qualify for another 2 month extension and if I wanted to enroll. I accepted her offer for the XX/XX/XXXX and XX/XX/XXXX extensions. At this point I thought the bank was going above and beyond to assist me and provide extra support. I was never told by the rep that their offer to me was not approved and that there was a chance it being rejected. I did not make my XX/XX/XXXX and XX/XX/XXXX monthly payments due to the fact that I was being offered the two month extension. On XX/XX/XXXX I  heard a loud noise outside my window of my condo and there was a tow truck repo taking my car. I wasn't given any call prior to this explaining the Bank made an error with providing the extensions to me and if I was able to make the XX/XX/XXXX and XX/XX/XXXX payment. I was told by the bank after the fact that I didn't qualify for the 2 month extension because I was over my payment extension limit for the life of the finance. But I did still qualify for a 1 month extension. This mistake on the Bank 's part should have not resulted in the repo of my car. If I was given the right information or notice about this I would have made the payment so that the bank wouldn't have taken my car. I was told after the fact the bank sent out a denial letter. During the month of XX/XX/XXXX I moved to a new place and never received the letter in the mail.
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I got a limitation on my business PayPal account XXXX. 
The reason : " we decided to permanently limit your account as there was a change in your business model or your business model was considered risky. This could be due to how and when items or services were sold and delivered and your inventory management. '' I have an online game with several hundreds of active players. My game is free for download and play. To play my game it is necessary to register an account, download game client files, install it and run on XXXX. 
On a game website there is a page which allows you to buy virtual currency using PayPal. There are several options available to purchase ( payment_page.jpg ). When you click the desired option, the website redirects to the PayPal payment page. 
After payment the user redirects back to my website and my system adds purchased virtual currency to the user game account and logs all information about payment to my records system. 
Once payment is handled and virtual currency credited to the user game account the user can use this currency in the in-game store to purchase any desired game values. 

I have had this business model since I registered a PayPal business account and have never changed it. In my personal opinion, such a business model, when a user buys in-game virtual currency for real money and then spends it on in-game values, is one of the most popular among current games ( especially in games on mobile phones ). 
I have carefully read the PayPal Agreement and Rules and can assure you that my business model does not violate the rules and complies with PayPal 's terms of use. 

I have an account in another country XXXX which have XXXX completed orders and good seller reputation. I can not use this account ( country restricted ) but this account proves that I am good seller and can do business with PayPal. 

I want PayPal to lift all limitations on my account. 

My case ID is XXXX I have attached a file to show how payments are processed on my website.
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX, I called XXXX XXXX for our business account to let XXXX XXXX we terminated several employees and I did not want them to have access using the company 's gas card or XXXX to purchase gas since the employees no longer work with the company. The Representative for XXXX XXXX Customer Service department told me she had to reissue our gas credit cards and this would prevent the use of the card or XXXX to charge gas on our account. I received my bill and notice several unauthorized charges on our account. I ended up getting a Supervisor after making several calls to find out the Representative in XX/XX/XXXX gave me the wrong information. I requested a Fraud investigation on our account for the unauthorized charges made to our account. I told I had to speak to the XXXX department since the charges were made with a XXXX. I have now made 5 request to  have the charges from XX/XX/XXXX - XX/XX/XXXX unauthorized charges be investigated and XXXX XXXX and Citibank refuse  to look into the matter or send me the requested documents to sign to investigate the unauthorized charges. I getting harassing dept collection calls 3-5 times a day. I have accrued interest on charges I should have never charged in the first place or had to pay, because I notified XXXX XXXX from the very beginning. XXXX XXXX Account # XXXX
Consumer complaint received 2022-07-31
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: AES/PHEAA (FL)

XXXX XXXX PHEAA filed a default on an administratively approved deferment, forgiveness and forebearance scheduled XX/XX/XXXX - XXXX XXXX The default is purposeful. It has caused my XXXX score to drop from XXXX in XXXX year. Today, My XXXX score it's XXXX XXXX XXXX XXXX, and XXXX XXXX at XXXX. The scores snd recordings of default has drawn suspicions of these inaccuraciesare to ground student who contact XXXX and report professor is not her Account XXXX the school assigned to students file. NDSL ( National Database for Student Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was earned. The same professor mismanaged my loans she said the Top graduate named XXXX, on XX/XX/XXXX XXXX her transcript. She received honors appertaining to her academic excellence and strong leadership should have graduated on XX/XX/XXXX and diploma delivered. The professor unauthorized to manage my student loans said she isn't giving me nothing and called lawyer stating I must cease and desist. It's a FERPA, Title 4, and Title 6. 

XXXX. 
I. XXXX, My career sought as a XXXX XXXX XXXX XXXX XXXX in XXXX, is negatively impact from scam artists in my school who embezzled student loans, and invaded priacy of wxecutive acvount XXXX XXXX the assign loan officer of students financial aid. The student school records was an open portal to anyone which caused {$14000.00} an unrecognized distribution or an unknown scholarship the svhool did not want to pay. The student did not apply for loans so small. Its hate of me at the school because I called police on a professor who was a financial aid manager and she refused to reimburse the student missing money {$16000.00} and unauthorized money, {$14000.00}. The professor cashed on date XX/XX/XXXX {$14000.00} and paid outside of students scheduled loan distribution this money to another bank account the student didn't setup with school. Additionally, a refund check approved for graduation amount {$16000.00} description direct grad plus loan was compromised and sent back to lender causing student to be placed in default with XXXX XXXX and creditors. The professor apparently paid someone else or placed money in a bank account to use when conventient. 

The students Bank was at the time XXXX who sent student letters from fraud investigators that they had not received the loan deposit on distribution of FedLoan on scheduled date XX/XX/XXXX Amount {$16000.00}, nor an unauthorized loan student did not request possibly a scholarship the professor who disliked her did not want to pay dated XX/XX/XXXX.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am contacting you to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of identity theft stemming from a data breach, and these accounts and inquiries are not mine. Under the provisions of 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Accounts to be Blocked and Deleted : 1. DEPT OF ED/XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 2. DEPT OF EDXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 3. DEPT OF EDXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 4. DEPT OF EDXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiry to be Blocked and Deleted : XXXX. XXXX Date : XX/XX/XXXX