davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lefkoff, Rubin, Gleason & Russo, P.C. (GA)

The account balance owed with XXXX XXXX was {$7000.00}. I called XXXX XXXX to get th balance paid to improve my credit report and they gave me the contact information for lawyer office that had my account. I reached out and spoke with XXXX XXXX about setting up an agreement to pay the balance. He told me that I had no choice but to pay a high amount for the payment plan. I kept advising him that I could only pay {$120.00} per month. After months of him telling me that he would have to see is XXXX XXXX would agree with the amount for monthly installments, he finally said that XXXX XXXX approved my request to pay {$120.00} per month. When I would call XXXX XXXX, they would tell me they no longer had my account. However, XXXX XXXX makes it seems as if the account has to be approved by XXXX XXXX for payment agreement. He advised that I was not allowed to mae any payments until the agreement had been sent to me in the mail and signed and returned to him. It took over two months for the agreement to arrive to my home after calling XXXX XXXX to ask about the status, he said he would resend it. The agreement was made to pay {$120.00} per month with the first check processed on XX/XX/XXXX. I had paid {$120.00} every month thereafter. I had missed the payments in XXXX and XXXX then sent a {$250.00} check to the company onXX/XX/XXXX. I confirmed with the agency speaking with XXXX XXXX and he agreed to reach another payment agreement. We confirmed the payment arrangement would be {$120.00} every month moving forward on XX/XX/XXXX. The balance had been paid down to {$6300.00} at this point. I was served with a complaint filed from the collection agency/lawyer on XX/XX/XXXX. I asked XXXX XXXX if I could pay the {$120.00} until I receive the new agreement of payment by XX/XX/XXXX ( per his request ), he told me that would not be a good idea to make payments towards the balance until the letter is received and signed then returned back to him. I filed an answer with the state court to confirm the balance on XX/XX/XXXX to avoid judgement not disputing the debt owed. XXXX XXXX sent me an email onXX/XX/XXXX stating that my balance with all fees and costs will be : {$7200.00}. The principal balance on the account is {$6300.00}. The balance with fees and costs is higher than what was owed to XXXX XXXX initially. The balance owed for my debt is {$6300.00}. Now I am getting this charge off reported on my credit report every month since XX/XX/XXXX. I am a XXXX  mother just trying to pay this debt off so that I can move forward. I am unable to find housing because of this chargeoff and it seems to have become a heavier load on me.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Services incorrectly applied two mortgage payments in XX/XX/XXXX. This created a delinquency for XX/XX/XXXX payment and beyond. Ive been in contact with SLS since XX/XX/XXXX and the problem is only partially resolved. XX/XX/XXXX-XX/XX/XXXX shoe correct payments on time. XX/XX/XXXX- XX/XX/XXXX show as delinquent and this is incorrect. Ive submitted copies of cashed checks and the problem has not resolved.
Consumer complaint received 2019-07-15
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. (GA)

I received results of an investigation from XXXX  on XX/XX/2019. They failed to remove derogatory items from my credit. I am frustrated because the same thing happened with the other two credit bureaus as well. I am frustrated because I thought that I followed the proper procedures in filing a police report and disputing the items that were identity theft. I have no control over what someone has done in my name but I am doing all that I can to get my credit back together. It's not fair that someone can take advantage of me and use my name and the credit bureaus ( XXXX Experian, and XXXX ) fail to do their job in deleting the items.
Consumer complaint received 2019-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IN)

I opened a checking account with Citi because of a promotion I saw to receive XXXX XXXX XXXX  miles. I met the requirements for the promotion ( promo code XXXX ), but I still have not received the miles. The offer said it could take up to 90   days after meeting the requirements to receive the miles, and it has been significantly longer than that.
Consumer complaint received 2019-07-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Company causing an issue : PayPal. 

PayPal is a U.S. company with a long history of inappropriately holding customer funds without cause. Kindly note, I am a XXXX  citizen, currently travelling, in XXXX XXXX at the time of sending this email. 

Date and nature of attempted transaction : Simple transfer of funds from my own PayPal account to my own bank account, as done countless times before. Between XX/XX/2019 and XX/XX/2019 Amount being held by PayPal without reason : XXXX GBP Issue : I have held a PayPal account without any complaint, issue or breaches to company terms of use, for approximately 10 years. In recent weeks, PayPal have put a hold on my account and requested that I provide identification for myself ( that I am who I say I am ) and for my home address. I am effectively locked out of using the service and have made at least three attempts to provide the demanded information. PayPal demanded that I submit a copy of my passport and a current bank statement. I have submitted this information via their online pathway several times and remain 'locked out ' of using the platform. I have not had any communication from PayPal to advise why, and for how long they may hold my money, which though not a large sum, is very much needed. The information was definitely received by PayPal, but it has appeared to make no difference to the hold they still have on my account and my hard-earned money. Without any reason provided. The error message states : " You have an account alert We need more information to resolve a problem with your account. '' As detailed above, I HAVE provided this required information and they still refuse to communicate with me, or release my money. 

In my research on how to resolve this matter, I discovered that this is common practice with PayPal, and even for MUCH larger sums of money, causing extreme distress, even to honest customers with a good track record, regarding terms of use. 

To resolve this matter, I would be happy to have PayPal release my own funds back to me, and ideally apologise for their poor service despite my loyalty. If the company demand that I no longer use the system, I would very happily comply with this as I have lost faith in PayPal. 

This issue is causing me severe XXXX distress due to the fact that I have medical concerns at this time, and need to have access to my money to prepare for XXXX. 

Thank you so much for any support or advice you can provide.
Consumer complaint received 2019-07-15
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. (TX)

Equifax ; XXXX and XXXX  are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2019-07-15
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. (AZ)

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-07-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

I contacted Nissan Motor Acceptance in regards to my lease and I reviewed the contract and the mileage was incorrect. They show the original mileage being XXXX miles. However, when I contracted the lease the mileage was way above that. I'm not sure what type of tactics there are using however, this could have cost me money at the end of my lease. I called and spoke to a representative and she reviewed title and it showed that the vehicle had well over XXXX miles. She stated that it could have been a typo however this could have been very expensive at the end of my lease.
Consumer complaint received 2019-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

Im reaching out to u hoping u can help me on XX/XX/XXXX th of this yr I was a victim of a scam, yes I made a mistake and yes I was naive I looked on XXXX XXXX for a dog I found one and contacted the seller, oh he played his role well and I fell for it hook line and sinker, the dog was XXXX he told me to go through XXXX to send the money and I did he said the puppy will be shipped and it was free shipping like I said I was naive and I thought everything was ok, well when he got the money I got a email from the dog delivery service that I needed to pay XXXX to ship the dog in a climate control crate I thought all my XXXX I have been scammed well u can probably figure the rest I couldnt get a hold of the ph no that came on my ph was XXXX Maryland I so need my money back if there is any way u can help me I will dearly appreciate
Consumer complaint received 2019-07-15
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 — Problem with personal statement of dispute
Company: ID Analytics, Inc. (FL)

XXXX XXXX is a Bogus reporting agency. It sent me a letter saying my score was in the 400s!! My score has NEVER been in the 400s. The reporting agency has many claims against them for the same reason. Its inaccurate reporting and they should be shut down!
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2019 my bank card was charged XXXX for a service from the Experian reporting agency after they had already charged me XXXX for my reports and scores. I received no invoice of charges or description of services. I called in to experian to report the charge at XXXX and was rudely placed on hold without warning for 10 minutes by a woman who acted as if she could not understand me. Everytime she came back to the line and relized i was still holding she would placed me back on hold never resolving my complaint about the charge on my card. She then hung up on me. I called back again at XXXX. I then got a man who also was nonchalant about the person who previously hubg up on me. and put me on hold for another 10 minutes. He promise to resolve the issue and agreed to a refund i have yet to receive.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST HERITAGE CREDIT LLC (SC)

Received a check in XXXX as part of a pre-screened offer. Check was valid until XX/XX/XXXX. It clearly says pre-screened to receive the check. I don't apply for things to avoid hits to score and in dealing with loans previously I know if I got a live check they've determined you met credit criteria and did not have to run credit again. I cashed check on XX/XX/XXXX due to car issues taking out loan. On XX/XX/XXXX the company first heritage ran a hard inquiry with XXXX knocking my score down XXXX points. I immediately called them and they initially denied it and said only soft pulls are done for pre screen offers and I should NOT have gotten a hard inquiry. XXXX and a diff female rep said a manager would be in touch on XX/XX/XXXX because that shouldn't have happened. When I didn't hear back I called and this time XXXX says they did but couldn't tell me why they did it after the cash had been cashed and when I didn't consent to a hard inquiry. I want this removed because they lied and this is bad business practice. Prescreened mail in check means it was already determined and I did not authorize that hard inquiry.
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX I contacted Barclays Visa regarding transactions on my credit card statement. Barclay offered transfer balances/promotional checks interest free through specified dates. I availed myself of those " convenience checks '' and used them since there the interest rate is 0 % through specified dates. Upon reviewing the schedule of convenience checks which were used, I learned from the credit card company of how they post the payments which are made to the account. 

The complaint that I am filing due to the fact that the methodology used to apply the consumer payments is an abusive practice which puts the consumer at a significant disadvantage and allows the credit card company to manipulate the payments made on the account in a manner which unfairly penalizes the consumer. 

Here is what they do : There is a balance carried on Standard Purchases : in my case it was {$1000.00} ( 29 % APR ) There are also numerous Balance Transfer/Check Promotions which were taken out by me on numerous occasions with different ending promotional dates upon which any remaining balance will then be charged at the specified interest rate of 29 %. 

I make payments greater than the minimum amount. I was expecting that the entire payment amount would be applied to the balance with the highest interest rate. I wanted to payoff the balance since there is an APR of 29 % whereby the other balance transfers have a 0 % APR until a date out in the future. Barclays stated that anything above the minimum amount is applied to the other balance transfer/check promotions in any manner which they desire to apply them. I requested that they apply the entire payment that I made to the amount with the highest interest rate but they stated that they will not do it. The company then proceeded to apply the remaining payment to a check balance /transfer which was just taken out. When I asked why didn't they apply the amount to the oldest transfer balance ( since this amount will start to accrue interest on XX/XX/XXXX ) they indicated that they can apply it to any amount they want.. In my case they applied the remaining payment to the balance transfer/promotional check with the lasted date ( XX/XX/XXXX ) where the balance will start to accrue on XX/XX/XXXX. 

The remedy which I am looking from Barclay is for them to apply the payment made on the account in a manner which is proper and fair. Payment which be applied in their entirety to the balances with the highest interest rates thereby allowing a fair and equitable reduction on balances with the highest rates. Furthermore, if appropriate then a payment should be allocated to the balances with the earliest coming promotional dates. Barclay should not be allowed to take advantage of consumers. Furthermore, clear and plain disclosure of this practice and not made. 

Documentation can be submitted upon request.
Consumer complaint received 2017-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

Hello- XXXX XXXX has been servicing my loans for three years now. I continue to make monthly payments way above the monthly payment. XXXX has made it very, very difficult to take the additional payment amount and allocate it to a specific loan series. Origiannaly I was told to submit a standing order with instructions on how additional payments should be allocated. I did this and the letter was ignored. I called in to customer service to ask for this to be done over the phone. They told me to submit a form. After explaining I already had and asking to speak with a supervisor A request was submitted to reallocate. These calls typically take an hour during workday. I spend a lot of time educating the agent in the process and my rights. It then takes weeks or months for the really payment to be correctly credited. And I have to continue to follow-up via phone. Last month I called to do this for several payments. The processing agent asked me to check online in10-14 business days for the adjusted payment break downs. It was not done then so I called back. Another agent told me to wait a month which I have done. The adjustment should haves been made. I asked the agent when I can expect to see the adjustment and he told me that was backed up, he would ask his supervisor and then told me he could not provide a timeline. He asked me to check back later, already a month after. He explained the department was backed up. In the meantime, I have continued to make payments monthly. These payments also need to be targeted to certain loan sequences. I am left waiting for prior adjustments to be completed before I can even request these new payments be allocated. This an unacceptable processing delay and unresponsive customer serivce. I should not have to battle with service provider to have have additional payments correctly applied. XXXX continues to process payments in manner that is financially beneficial to them and ignores my request.
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (CA)

Add to Case No. : XXXX I finally was able to speak with XXXX XXXX @ Discovercard, Senior Associate, Executive Office of Customer Advocacy today and with no further resolution. He has no way of providing me with proof of my consent for the Payment Protection Fees which he shows was added to my account on XX/XX/XXXX. Their policy is to refund the last 6 months of fees charged to me, which has been done. XXXX XXXX has access and will be mailing me my statements from XX/XX/XXXX ( the earliest he has access to ). He does n't know how much I have paid in fees, but by my calculation, this is over $ 10k just in fees that I never consented to. Right now, I am getting no where, other than to contact an attorney, but an attorney would probably cost more that the fees I already paid. I was researching again on the best course of action and see that there was a Class Action Lawsuit against Discovercard back in 4th Quarter XX/XX/XXXX. Why was n't I notified of this lawsuit? How did one get notified? I reviewed the links and the last to be added to this lawsuit was 1Q XX/XX/XXXX. I am so frustrated. CFPB already took action against Discover, but I was not part of the notification process. I 've lived at my address since XX/XX/XXXX and have had forwarding orders when I had a XXXX XXXX while working in downtown XXXX XXXX, so I should have been included. My debt with this card would be zero if not for these " Payment Protection Fees ''. At this point, I really do n't know what to do. I called your number to ask for further assistance and was notified to seek an attorney. When I research that, I find there was already this lawsuit that would have taken care of these arbitrary fees.
Consumer complaint received 2019-07-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (NV)

This company calls my phone constantly. I have called them & told them that I am not the party they are trying to reach, but they still keep calling. They have called 2 times so far on XX/XX/2019, 3 times on XX/XX/XXXX, 5 times on XX/XX/XXXX, 2 times on XX/XX/XXXX, 5 times on XX/XX/XXXX, 3 times on XX/XX/XXXX. This is just a sample of the past week. Some days, they call over 10 times! I've attached a screenshot from my phone that shows the frequency of the calls.
Consumer complaint received 2019-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (FL)

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Nurse Practitioner, XXXX XXXX, billed my medical insurance company, Florida XXXX XXXX XXXX XXXX for Ms. XXXX treatment for my XXXX injury at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Florida XXXX XXXX and XXXX XXXX, denied the claim because XXXX XXXX refused to provide additional information they requested to further process the claim. XXXX XXXX later turned it over to a collection agency after they had been notified by the insurance company and me that additional information was needed. The claim has now been posted as an uncollected debt on my credit bureau reports. Florida XXXX informed me that I was not responsible for that insurance claim and bill since the company and the nurse practitioner failed to comply with their request for additional documentation as they are an in-network provider for them. I have also filed complaints with the State of Florida Attorney General 's Office, the Florida Agency for Healthcare Administration, Florida Board of Nursing, and the State of Florida Chief Financial Officer 's Investigative Bureau. 

I find it rather strange that you and your company will not work with the hospital or Florida XXXX XXXX and XXXX XXXX in resolving this matter. HCA Ethics and Compliance representative, XXXX XXXX, contacted me on Friday, XX/XX/XXXX stating someone from XXXX XXXX would be getting in touch with me. They can not determine what happened either and were calling me for documentation when they could not obtain anything from your company. It is now Monday afternoon, XX/XX/XXXX, and I have not heard anything. We are trying to restore our home following extensive damages sustained from Hurricane Michael. We had to withdraw our mortgage loan application for additional funds because this is reported as an uncollected debt on my credit bureau report.