davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Home Mortgage left a message on a home answering machine. Stated this is Wells Fargo Home Mortgage and this a attempt to collect a debt and so on. This home answering machine is shared by other residents in the home. Message was heard by everyone in the house and was very upsetting. I also had guest in the house for dinner that day who overheard the message.
Consumer complaint received 2016-08-30
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

Hello, i would like information on trying to pay a old payday loan back with realistic amounts. My amount owed was {$580.00}, i paid {$100.00} on XXXX XXXX. The remaning XXXX was schulded to be paid back XXXX of XXXX XXXX. I did n't have the money at the time so i call back on the XXXX of XXXX with hopes to make a new arrangement. XXXX refused to accept a different payment. I have until the end of the month to make a payment but now i cnt contact the loan office. My calls are not being answered and i an up for a XXXX garnishment when i can pay XXXX in little payments.
Consumer complaint received 2015-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Phoenix Financial Services LLC (NC)

THIS ACCOUNT IS NOT MINE IT IS A RESULT FROM MY IDENTITY PREVIOUSLY BEING STOLEN ... I HAVE FILED A POLICE REPORT AS WELL AS ID THEFT AFFIDAVIT AND COMPLAINT FROM THE FTC REGARDING THIS MATTER.
Consumer complaint received 2015-11-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (TN)

This complaint is about the fees my bank charged for a wire transfer, not the transfer itself. I did some business with a company XXXX and they pay through wire transfer. I had the money wired to my SunTrust account. The remitting bank XXXX provided a receipt showing that they remitted {$9100.00} XXXX to SunTrust. When I received the deposit, {$30.00} XXXX was missing, but then SunTrust charged me {$15.00} separately for a " domestic '' wire transfer. SunTrust publishes an incoming international wire transfer fee of {$30.00}. When I questioned the double charge XXXX {$30.00} off the top and {$15.00} extra ), SunTrust said they did not charge the {$30.00}. After several emails and phone calls, someone looked at the trail and determined that the incoming wire transfer came through XXXX bank and SunTrust received {$9100.00}. My guess is that SunTrust uses XXXX to process their international wire transfers since they are not an international bank. The Swift code for SunTrust was used but it obviously went through XXXX first, which shaved the published {$30.00} fee off the transaction. My main concern is that in the process of receiving my money, {$30.00} disappeared and I have no receipt or explanation for it. The fact that I was charged {$15.00} for a " domestic '' wire transfer between the bank SunTrust uses for international transfers and SunTrust itself is double-dipping and criminal. These transactions should be transparent and all fees should be disclosed up front. I would have been fine giving SunTrust the published {$30.00} for the international wire transfer, but the fact that another bank ( that I am not a customer of ) got that and then I was charged {$15.00} for a domestic transfer is the issue. It 's dishonest and needs to be stopped.
Consumer complaint received 2016-05-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (KY)

Student loans serviced by AES. Was told by XXXX that loan could be deferred while in school, indefinitely : The loans were disbursed in between XX/XX/XXXX and XX/XX/XXXX, place into deferment while in school, and knocked out of school deferment while still enrolled in school in XX/XX/XXXX. Loans Placed into forbearance for one year, as I was still in school and unemployed. Credit report thus far is perfect with these loans. Loans knocked out of forbearance deferment early, ( still unemployed, in school part-time ) and I was told to place loans into Unemployment deferral for up to a year. I faxed, the first time, an application, that they processed - three months later, I am knocked out of deferment, again. I receive a letter stating my loans are late, so I call, and fax another form. And another form, And yet another form. The fax number printed on AES letterhead, which was successful for the first unemployment deferral, failed. I was told to use the second fax number listed on AES letterhead. AES, stated AES never received my faxes. Multiple faxes. One would think that, the borrower, whom AES has noted for years, would keep complying, as I did. But, n matter what I did, the loans crept closer to collections, beginning, from AES statements XXXX/XXXX/XXXX first day AES says loans were late ... until XXXX/XXXX/XXXX, the date AES reported loans were XXXX and sent to collections. Meanwhile, before XXXX/XXXX/XXXX, the loans moved closer and closer, as AES said there was nothing they could do except ask for payment, and wait until they received my faxes. On my end, other than submit payment, which financial was n't possible, AES said there was nothing I could do, other than submit, and re-submit faxes. Now, AES says, for some reason, there is XXXX final loan, which can not be saved from default. So ... and now, I am ineligible for federal loans, and will thus be unable to attend the last few semesters of the XXXX program, and ... thus, will begin the cascading fall into further private loan default, as another private loan company moves me out of in-school deferment because I can not attend school without a federal student loan, ... and you get the picture. My federal loans, will hopefully be placed into an IBR program. So far, AES loans are the only loans that moved ( less than 120 late ), " into collections '' ( default ) status ..., All my private loans XXXX originated and disbursed from the same entity - XXXX. AES = default ... whereas other loan holder = current. Kinda strange how AES defaults loans, and the other does not ... In any case, I want to repay my loans, but, AES says it did n't receive my faxes, and could n't help me save my loans through other deferment possibilities.
Consumer complaint received 2016-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA ()

My student loan is now paid off. HOWEVER, I believe Fed Loan owes me a significant amount of money because 1. I overpaid and 2. because my loan interest was miscalculated. I have compared their records of my payments made with the actual receipt of payments I made. There is a discrepancy of XXXX. I wrote to them in XXXX of this year advising them of this situation and asked for a review, explanation or confirmation of my receipted payments which are not shown on their records. I never received an answer. I simply wish for this situation to be corrected and receive a refund totaling the payments I made but were never credited to my account. I have all the receipts for these payments. If there is a reason why these payments were not credited to my account, I would like an explanation. Thank you so much for your assistance in this matter. I am XXXX and a senior citizen living on a small fixed income. A refund of the overpaid amount on this loan would be of enormous help to me. P.S. At the time my loan was made and for several years thereafter I was a service member 's Spouse. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-09-14
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Bryant Bryant & Associates LLC (CT)

I 've been getting calls from company called Bryant and Bryant associates claiming be lawyers office. However, I research them on XXXX and their are collection company. This is total against law and violates debt collection rules. A XXXX XXXX has called me numerous times saying he 's got legal claim against me in his office. I 've saved voicemails sent in last three months. Company refused to verify debt through mail. They called and harassing my family friends and job. They claim be lawyers office however, they are only collection company. State of Ct says that this company ca n't charge without crime its civil issue.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This XXXX is for TransUnion. I filed a Chapter XXXX that was discharged in 2009 that shows in the public records area. The incorrect part is that there XXXX mortgage companies showing XXXX balance in the collections part. They are impacting my credit score on both XXXX and TransUnion. Those accounts are not allowed to go to collections. They should NOT be there. They are reported correctly on XXXX report. They were never delinquent prior to the filing.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-12-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (IL)

I am having trouble making student loans payments, due to the high cost. I have tried to call to lower the payments but have been required to have my co-signers call in to submit a financial statement before this would be possible. I have XXXX co-signers on my loans, XXXX is my mother XXXX is my brother. My brother has been out of the country and was unable to make a call for the finanical statement, however my mother did call in to give hers in XX/XX/XXXX. Upon my brother returning to country in XX/XX/XXXX he called to give his statement, I was then told that my mother had to redo her statement since it was a new month. That was the first time that dealing with Sallie Mae became difficult. Upon my mother calling in XX/XX/XXXX, the man named XXXX XXXX, received to allow her to give a financial statement instead badgering her to make payments on my behalf. My mother is going to be out of a job, and is going to be unable to make payments soon. The company had continuously told me to have my co-signers call in to make the statement so I was able to lower my payments, instead they have taken advantage of my co-signer and made deceptive claims to myself. The process to lower payments is extremely difficult and burdensome making it nearly impossible to complete the process to achieve the end result of lowered payments. On top of this during the process of working to figure out how to repay the loans I was consistently called and harassed about being delinquent on the loan.
Consumer complaint received 2016-07-16
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (MI)

Individuals from Student Assistance Corporation have begun calling me, asking for me by name and saying the call is regarding a Navient Student Loan. I tell them that I do not have a student loan. They then ask me to give them my personal information. I refuse to give my personal information so they say the calls will continue. On XXXX XXXX, 2016, at XXXX. I received a call from them XXXX. I called them back to again tell them I do not have a student loan and asked for their address. The lady refused to give me an address and insisted I give her my birthdate. She told me it was a Navient student loan. I used that information to look up the address and send letter telling them I do not have a student loan, do not call me and to send and further communication in writing. They received the letter on XXXX/XXXX/2016 ( USPS Item # XXXX ). The calls have continued with six calls on XXXX/XXXX/2016.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a report showed in my account regarding XXXXOriginal Creditor for {$1600.00}, i have never been to XXXX XXXX before in my life.I know my green card was stolen sometimes in 2010
Consumer complaint received 2016-07-27
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

After I file the complaint Case number : XXXX, BOA customer resolution who named XXXX gave me a call and leave a voicemail. I has returned her phone call and leave XXXX voicemails ; however, I still received no response from BOA. In addition, BOA still not response the request from the state of Illinois. However, BOA has charged me the overdraft fees because checks paid prior the freeze my fund.
Consumer complaint received 2016-04-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC (TX)

Greensky pulled my credit report twice leaving XXXX inquiries on my credit report for the same loan. This happened in XXXX XXXX and again in XXXX XXXX. 

When the contractor XXXX fell behind schedule and was not able to get the project completed in time they took it upon themselves to close the first loan, RUN MY CREDIT report again and then open a whole new loan in order to accommodate the contractor. At the same time the Contractor decided to pull my credit report as well leaving another hard inquiry on my credit report. ALL of this happened without notifying me, my prior approval, or permission. 

These additional credit inquiries have caused me financial harm and an through no fault of my own prevented me from getting a much needed loan from XXXX XXXX. XXXX XXXX cited " too many credit inquiries '' as the reason for denying me a line of credit.
Consumer complaint received 2015-08-03
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Capital Accounts, LLC (PA)

I had a XXXX done because Dr thought there could be possibility of something serious ( XXXX ). Never was I informed that a XXXX was not covered by my insurance by anyone at Dr office. When my bill came ... a portion was not paid because XXXX do not cover XXXX. I spoke to my DR about filing an appeal then I got a call from a Collector who was verbally abusive, threatening & denied having anyone in authority I could speak to. His name was XXXX. I called Dr office and explained I would make $ XXXX/mo payments on XXXX each mo as I am on SS XXXX. She took payment and I asked her to call company and tell them I made payment arrangements with them. She did and the next bill reflected the payment made. I called the XXXX to make my pymt and she was not there ( this was today when I got my check ) and I left her a msg to call for pymt. After that I got my mail notifying me that they had turned me into credit bureau for lack of making pymt arrangments ( lie ) as the manager told me that because I made them with Dr and NOT THEM even though Dr office told them ... it was not good enough. I said well I will make my pymts and thru you BUT that has to be removed from my credit report as its a lie ... I had MADE PYMT arrangements and they had it on their records.
Consumer complaint received 2015-11-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NJ)

We have received at least XXXX calls from Midland Credit using a telephone number of XXXX within the last month. When I answer, they do not respond. I finally got someone to respond yesterday and they claimed they were trying to collect a debt from my husband on a " XXXX '' credit account. I told them we never had a credit account with that company and I would call the company directly. They insisted and asked me to verify my husband 's social security number. I refused, told them to remove our name from their call directory and hung up. I thought this was a scam because we have a credit monitoring service ( which I checked ) that would have alerted us to this, and no reputable company would allow anyone other than the person in question to verify information. However, to be safe, I then called XXXX and they verified that there was never an account opened in my husband 's name. 

Today I received another call from Midland Credit claiming there was now a XXXX Card account outstanding in my husband 's name and again asking me to verify his social security number. After repeated refusals and demands that they remove my husband 's name from their system, the caller finally agreed to read me the social security number they had. When I told him that it was not my husband 's social security number, he apologized and said he would remove my husband 's name and contact information from their system. I then hung up, but again this seems like a scam because why would a debt collection company give up so easy when they have no way of knowing if I am lying?
Consumer complaint received 2016-08-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (NC)

XXXX XXXX XXXX XXXX XXXX XXXX transferred my debt to a collection agency called TRANSWORLD SYSTEMS INC . I never received a letter or phone call from TSI until I was buying a house. Then I received a letter stating I owe {$3800.00}. I asked the customer service rep what this was all about? She stated that they sent a letter to the address, [ left blank intentionally ] in XXXX. I asked if they tried to call me. She stated, " No. It is not our practice to make outbound calls, we just send letters. '' So I told her that I had not lived at that address since XXXX. She was silent. So I asked if she could bring the payment to what is showing on my credit report? She stated that I would have to call the TSI office to make a settlement offer. When I call, they said that I owe {$3800.00}. It had occurred almost {$40.00} within 8 days of the letter being sent through the mail. I talked to XXXX XXXX and he said he will submit the offer up to the client and it should take 14 business days to hear something back. I offered to pay what was on my credit report of {$2400.00}.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (LA)

Navient had me put my loans in forbearance because I could not afford the monthly note. They told me I made too much money to do the income driven plan. After years of deferrals and forbearances the interest was rising and now I went from owing XXXX to XXXX. I started sending XXXX bi weekly when they said all avenues were no longer available. I sent payments for several months. I received harassing phone calls on my cell, at my job, and emailing me constantly. They turned me in as defaulting and I was sending the XXXX bi weekly. Then, after turning me in and ruining my credit. They sent XXXX after me and they submitted garnishment of my wages documents with my personal social security number and identifying information to fac numbers that went to my co workers and not our payroll department. XXXX did this. I called them and said that was illegal. I ended up having to send them XXXX a month and could not afford it. Now, I owe them over XXXX dollars instead of XXXX. Disguisted!! XXXX XXXX, XXXX XXXX XXXX, XXXX, La XXXX The college I attended was University XXXX at XXXX
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

I.C System INC Collection XXXX XXXX XXXX XXXX I had closed my account and paid off open balance and phone in person at XXXX XXXX at the XXXX CA store on XXXX XXXX XXXX. I needed to do that before I could open and transfer my phone number to XXXX XXXX. I was using my XXXX service and I received this {$96.00} bill. I called a few times and XXXX did not help me. Once collection called and I called back they were abusive and nasty. I do not owe anything because I was not using heir service. I was using XXXX XXXX 

# 2 debt XXXX XXXX XXXX  charges added because I cancelled my account. 
No one ever called me back
Consumer complaint received 2015-10-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Outrageous over draft fee of Bank of America and Rude behavior of customer service rep when called for resolutionI am having Checking Account in Bank of America and I When Travel to XXXX on my XXXX and bank of America Does n't have any ATM's/Bank Center to Deposit the money to Meet Bill payments, When I have Bill payment scheduled to pay on particular day and During that Period on Travel ans also extended stay I ca n't able to deposit money to meet the bill payment and Bank of America need to facilitate some kind of method to handle with out having charges from other financial institutionsThe XXXX Over draft charges of {$35.00} each XX/XX/XXXX
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc. (OH)

I have a a unverified account from CBE. I had previously disputed this account. I have never done business with CBE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CBE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.