davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (OR)

I received a notification to re-certify my income based repayment plan in late XX/XX/XXXX. I downloaded my XX/XX/XXXX tax return and completed the re-certification process on XX/XX/XXXX. On XX/XX/XXXX I logged in to make my payment due XX/XX/XXXX and saw it was ~1,800. This is NOT income based. I contacted customer service. Apparently the upload function for my tax return was not working on XX/XX/XXXX, which I did not know. I was informed I should submit it then. I did while I was on the phone with the customer service agent. And told it would take 7-10 days to process. I asked if there was anyway to speed that up so that I would still be able to make my XX/XX/XXXX payment. He said no and that I could request a forbearance. I did not want to do this, as I am not making any progress toward loan forgiveness and the loan provider is making money on interest accrued while I am in forbearance. He said I would only need a one month forbearance and that I would have my new amount for my XX/XX/XXXX due date. <P/>I called back today, XX/XX/XXXX, to again ask if there was anyway to speed up the process as I was unaware they were missing documentation after my first submission on XX/XX/XXXX and I am in the process of looking to buy a home and need a loan letter to confirm my actual payments on income based repayment plan. The lady informed me it was my fault for not doing it sooner in XX/XX/XXXX, that they have n't been able to process these re certifications in 7-10 days all year, and I was looking at 2 months and the forebarance request to XX/XX/XXXX would n't be enough. She was unable to tell me when my recertification request would be processed. <P/>I can go to studentloans.gov and plug in my AGI from my tax return and find out my payments under my plan in less than 2 minutes. It should not take up to two months to re-certify. I should not miss two months of payments towards loan forgiveness and the service provider should not be making money of my forbearance requests. <P/>In an XX/XX/XXXX XXXX XXXX article FedLoans was contacted and gave a statement that they were taking steps to correct the problem of significant delays ( defined as more than 15d turnaround ) and they expected to catch up later that month. That clearly has n't happened and it is unacceptable.
Consumer complaint received 2016-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (CA)

Hello, i have XXXX collection agencies that are currently attempting to collect a delinquent debt amount which i do not agree with, furthermore these collection agencies have yet to disclose information that I requested such as proof of being a collection agency that can operate in California and proof of the contract of the actual debt, accounts recievable that shows the actual amount of debt to be collected and what attributes to these amounts. I do not agree with the amounts, for I think they are innacurrate and these collection agencies have yet to provide proof. 

XXXX Collection agency name : AFNI. 
Collecting {$160.00} on behalf of XXXX for a service or product I never recieved. I do not live at that location, address and do not recall ordering that service or recieving that service. For this reason I want proof, document stating where the debt originates from, the actual line items on a bill, etc. 

XXXX COLLECTION AGENCY NAME.XXXX FL | XXXX XXXX Claiming that I owe {$400.00} for a early termination with XXXX, yet WHEN i called they can only see that {$200.00} was the fee applied for early termination, and they are not certain of where the other {$200.00} in debt came from. This is wrong, and I need once again proof that this debt is accurate by reviewing a document that they recieved from XXXX stating that my delinquent amount will be now collected by XXXX. 

Please do investigate these XXXX companies to see if they have the license to operate as a collection agency in california, and to make them provide proof of my debts and what attributes to the overall debt needing to be paid off. 

Thanks, XXXX
Consumer complaint received 2016-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ECMC GROUP, INC. (TN)

Educational Credit Management Corporation XXXX XXXX XXXX called and left a message for me at my place of employment a couple of weeks ago. I did not return their call as I thought it was spam. They then emailed me stating my loans were in default and to call them back. I know that my loans are not in default and their email still looked like spam, so I ignored it. The following day and every day since, I 've had XXXX calls at work from XXXX. I then started receiving calls and emails daily. I finally replied to an email and asked them to stop contacting me as I did not have any defaulted loans. The representative told me I did have loans and they were going to take 15 % of my wages to pay them. They then called my HR XXXX and " verified my employment. '' I told them this was a mistake and they asked me to call. When calling you must enter your social security number and date of birth. I did not feel comfortable doing this as I know I do not have defaulted loans based on my loan servicer, my credit report, as well as, never receiving any notices of late payments or defaulting. XXXX then continued to email me after XXXX requests to stop contacting me. They then called my place of employment again requesting some form be faxed to them. I asked them what loan I defaulted on. They could not tell me. This harassment continued for about XXXX days. I finally filed a complaint with the Better Business Bureau and the Federal Trade Commission. I informed XXXX of this and stated if they did not leave me alone, I would contact local law enforcement. I let them know that I used a member ID they sent to me in an email along with my birthday to try and call them back through their computer aided phone system. It said invalid entry. At this point, XXXX asked to verify my birth year. I said they had the incorrect date. He apologized and said he would not contact me or my employer again. Later that very day XXXX different XXXX employees called my HR XXXX at work to demand information about me. Luckily I had told my HR XXXX everything that was going on and forwarded my email communications with XXXX to her. She requested that they stop contacting our place of employment. The original XXXX employee then contacts her once again to demand a employment verification form be returned via fax to him stating that I did not work there and which social security number did not match up. This is completely inappropriate and bordering on harassment. If they are going to get the funds back from defaulted student loans, it would be beneficial for them to make sure they had the correct person. Hopefully this fiasco is now over with me, but this was a headache and handled entirely inappropriately. I did not appreciate their incessant calling at my workplace, of all places, nor did I appreciate their rude behavior. Not once were they able to verify which loan I had defaulted on.
Consumer complaint received 2017-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (TX)

I have been a member of American Express since XXXX. I have always paid them on time, without any problems. However American Express put my wife on the account without our knowledge and that lead to more problems. My wife 's Identity was stolen and because my American Express Account was in her name too, these criminals had access to my American Express Account as well. After all these years, having the XXXX Card and The XXXX Card, they are treating me as a criminal and embarrassing me where I live. American Express called our neighbor, Mrs. XXXX XXXX at XXXX XXXX XXXX, XXXX, TX, XXXX at XXXX. This was so embarrassing, and against Federal Law. This is also a violation of my privacy. If American Express had not put my wife on my account without my knowledge or consent, I would n't be having this problem. Furthermore, I made arrangements to pay back American Express by paying them {$200.00} on the XXXX Card and {$200.00} on the XXXX card a month, but this is not acceptable, because their employees do not have the authority to do anything but harass customers. The F.B.I. has contacted them about my wife 's situation, but American Express chooses to ignore them and continue to harass me, and violate Federal law.
Consumer complaint received 2016-07-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (CA)

Some hospital sent me a letter saying that i was admitted and that I owed them money ; So I called right away and asked " what is this '' So I gave my name and dob. when they saw that Dob. did not match some lady said " Oh this is not you I will take care and remove it right away " I said thank you and then went on with my life : until I started getting harrased by some bill coll. company with letters and phone calls about once twice a week.at that time I had never been in a hospital. this started about 4 years ago give or take some months. the name does not match also
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MO)

I purchased a new vehicle from a dealer and paid it off before there was a debt created for the vehicle. Now the finance company continues to state there is an open account when I submitted evidence to them and the credit bureaus that the payoff was made and only XXXX has acknowledge that there is no debt. XXXX continues to report the debt even though they have admitted that the lender has not produces a contract to them validating a debt. XXXX has yet to respond to the matter.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2017-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Most importantly, I am XXXX since birth, XXXX  and XXXX XXXXXXXX, and a XXXX XXXX. it is IMPOSSIBLE for me to contact Navient, because NONE of their phone numbers are accessible to persons who use XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Furthermore, my problems with them began because their loan documents are much too small to read, their " instructions '' are even worse to read and understand, and I had to ask my other XXXX XXXX friend to become my Cosigner for the loan. After I was granted the Cosigned Loan in our about XXXX, I received a Forebearance after I graduated, and Navient NEVER TOLD ME CLEARLY what was the EXACT DUE DATE for repayments to begin after the Forebearance. There is some kind of " rule '' at Navient that the person must make all payments due ON TIME for the first two years, and they will then release the Cosigner. I missed only one payment during the first two years, because Navient did not clearly notify me of the Due Date, BUT SINCE THAT TIME, all of the monthly payments have been made ON TIME. They still refuse to release the Cosigner, and they wo n't permit a replacement Cosigner. My original Cosigner is now XXXX and he wants a peaceful life, but he is STUCK by Navient, and he is very upset, and so am I, This is RIDICULOUS.
Consumer complaint received 2024-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Skrill USA, Inc. (CA)

I am writing to file a formal complaint against Paysafe, a company that has a concerning history of consumer complaints. I have personally experienced several of the issues that have been reported by others, and I believe it is important to bring these practices to light. 

Paysafe has a pattern of charging customers fees, even when the account is inactive or has never been used. This practice is deceptive and unfair, as it leads to unexpected and unnecessary financial burdens. The company also opened a second account without my knowledge or permission and charged a second identical set of fees so they are collecting double the fees of an unuseds account. Additionally, the company 's aggressive collection tactics, including sending accounts to collections without proper notice or resolution, have caused significant stress and damage to my credit. 

Furthermore, Paysafe has used various business names and sent emails from unknown or generic email addresses, which often result in the emails being mistakenly marked as spam and deleted. This makes it difficult for consumers to stay informed about their accounts and address any issues that may arise. 

I have also encountered instances where Paysafe employees have provided incorrect or misleading information, which has led to financial losses and further frustration. This lack of accuracy and professionalism is unacceptable and contributes to the overall negative experience with the company. 

I urge you to investigate Paysafe 's practices ( This seems to be the same thing XXXX XXXX was doing opening up fake accounts but, wells fargo was not charging fees on these accounts like Paysafe is doing ) and take appropriate action to protect consumers from these unfair and harmful business practices. I believe that holding Paysafe accountable will help prevent future instances of consumer exploitation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

On XXXX I called Citi because I was having issues accessing my account the few days before hand. Knowing I had a payment coming up I wanted to make sure I could pay it to not incur any late fees. Upon calling them I was transferred to numerous reps saying that they could not find my account or that it was closed. I was finally able to reach someone who could tell me what was going on. They said that I had filed for bankruptcy and that my cards were closed and the balances sent to collections. I informed them that I did not file bankruptcy and that someone in my family with the same name did. This is verifiable by a search of my social which is different from theirs. Their " Recovery team '' said they would research the matter and get back to me. Its been 6 business and I called again, only to have them tell me it would take 3-5 business days longer. At the time of writing this I currently do n't have access to the two credit cards that I use primarily. More so, I am worried that I will have my credit score affected, debt collectors calling, late fees accrued, and ultimately an uneasiness if I have to make a big purchase.
I have two cards and both cards were closed.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year>, I sent out a dispute letter to EXPERIAN regarding improper use of my personal information by a third party company. A company by the name of XXXX XXXX XXXX misusing my information stating that I owe a debt that I am unaware of. This has affected my credit in a major way & I have requested them to remove this information from my credit profile but it still remains.

According to15 U.S code S 6802, it is illegal for banks & institutes to report any data to third party companies without proper consent. Please have this information removed from my credit report.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at XXXX XXXX  on XX/XX/XXXX under the XXXX account number. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2017-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (TX)

Citibank at XXXX. XXXX XXXX, XXXX, OH, XXXX ; controls my Macy 's card and my Home Depot card. I emailed both businesses to let them know I am the victim of Identity Theft and Computer Hacking. However, they refused to work with me and the employees that I have arrangements with do not have the authority to make any such arrangements at all. The F.B.I. sent Citibank and the creditors themselves letters stating that the have the criminal in custody awaiting adjudication. None of this has stop their harassment, or their refusal to make arrangements that I can afford. This added XXXX by their continued harassment can XXXX XXXX as I have had XXXX XXXX in XXXX that I should n't have XXXX and a very XXXX XXXX in XXXX. Their employees are rude, do n't want to allow you to finish a sentence, which enrages me so that I can finish a sentence without their constant interruptions and demands that are unreasonable. I 'm currently living on {$300.00}, and they want $ XXXX a month. This is unbelievable.
Consumer complaint received 2017-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CO)

I had closed a credit card with Chase less than a year ago. My wife inadvertently used this card to get a refund from a merchant, a grocery store. Upon learning of the mistake I called Chase to have the credit applied to my current Chase credit card. After a series of phone calls with customer service agents, dispute resolution agents and supervisors. Chase could find no record of the closed account. In my last conversation with Chase they agreed to apply a credit for the {$57.00} to my current card as a courtesy. I instead received the following letter.
Consumer complaint received 2017-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc. (MN)

I had a Paypal Account that was attached to my XXXX credit card for services. <P/>I paid for XXXX charitable donations in XX/XX/XXXX. XXXX of these went to my XXXX credit card as directed. The second donation went to Paypal Credit/ XXXX XXXX XXXX, which I do not have as I never applied or requested this. <P/>Paypal Credit opened a credit account without my permission. There was an Enforcement Action with you for this problem in XXXX. <P/>I tried to pay this amount off with Paypal as I do not use credit. In XXXX when I called I was told they could not pay this amount off unless I gave them identity information such as social security number, DOB and other identifying information in addition to my credit card number. I refused to give my SS number and birth date so they refused to let me pay off the account that was to have been paid in XX/XX/XXXX/XX/XX/XXXXwith my XXXX. <P/>Since then they continue to charge me large fees, I send a check but it is never paid off as the amount continues to increase.