davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (MD)

Due to a XXXX ( " XXXX '' ) in XXXX XXXX applied to have my Student Loan quashed, as I was unable to be fully employed and was on several medications. I was also granted a " XXXX '' registration decal. I notified Nelnet I was diagnosed with XXXX, and a high susceptibility to Stressors ; and a XXXX XXXX. As a result, Nelnet , Inc. " discharged '' my loan, in full. Months later, I began getting almost daily notices fron Nelnet, all unsigned, saying, I was put on stanby status with the loan, and some letters saying it was already re-instated? Some letters said my loan was put on a standby monitoring period, depending on me signing new paperwork, and if I did n't comply, the loan could be re-enacted. I have n't, nor do I plan on signing any " new '' documents which I feel will be used against me to re-enact the discharged loan. When I asked Nelnet for proof in writing on where they were getting their new procedures from, they ignored me. Whenever I requested a " point-of-contact, '' I wasalso, outright ignored.
Consumer complaint received 2015-07-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AL)

I received an auto loan from Santander Consumer. Two years after receiving the loan for a vehicle the car was totaled out due to flood in XX/XX/XXXX. I was informed that XXXX and XXXX both would cover the remaining balance of my loan and that I would not be responsible for paying anything out of pocket. About a month ago ( XX/XX/XXXX ) I went to buy a new car and I was told that my credit score had a charge off on it posted by Santander Consumer. I received no correspondence from Santander. No email, no letter, no phone call, nor voicemail. Needless to say I was blindsided by a charge off on my credit report that I had no idea of prior to going to purchase a new vehicle. I believe it was a very unfair practice for Santander Consumer to charge off a balance as they did without speaking to the loan holder about possible payoff on the account.
Consumer complaint received 2016-05-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I complaint to Capital one about their practices in XXXX2015 and at that time told them to close my account and to send me a final bill. They sent me a email detailing the amount due in XXXX2015, but did not close the account despite several back and forth online chats to do so. But they did, following these chats send the email of the total they said was due at the time but did not close the account. So now they have been sending me email telling me they are going to charge off my account as it is 6 months overdue. And from my last filed complaint on here, they refused to send me a paper or email account of what when on, so all their correspondence is one sided basically except for email and the billing notices.. People stay away from this bank worse company I have ever dealt with. could not attach in XXXX step so placing document here. The email sent when I requested they send balance. it is almost XXXX dollars now. 

Capital One Add to contacts XXXX/XXXX/15 To : XXXXXXXXXXXX Account ending in XXXX XXXX, As requested, we 're notifying you that as of XXXX XXXX, 2015, your Capital One XXXX From : Capital One XXXX You moved this message to its current location. 
Sent : XXXX XXXX/XXXX/15 XXXX XXXX To : XXXXXXXXXXXX Check your account balance today. 








Your balance has reached {$330.00}. 




RE : Account ending in XXXX XXXX, As requested, we 're notifying you that as of XXXX XXXX, 2015, your Capital One XXXX account balance is {$330.00}. This balance does not reflect pending transactions. 

Please visit Online Banking to view transaction details.
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Last year, I applied for and was given a credit-card by Capital One. Under their rules, a starter account is opened in the amount of {$300.00}, and then, per their rules, if you make 5 consequitive on time payments, they raise your credit limit to {$500.00}. I reached that level. In XXXX, I filed a chapter XXXX bankruptcy, and they ( Capital One ) closed my account even though I DID NOT INCLUDE THEM IN THE BANKXXXX! My payments were always on time, and when I last looked, I had a balance of about {$120.00}, which I tried to pay, but was locked out of the account. I have written two letters to them, and I get no response. I offered that if they issued a card again with either the {$500.00} or {$300.00} credit line, minus what I owed, I would pay it upon receipt. I had no intention of trying to get out of paying them, my intent was to start rebuiding my credit. I did not deserve to have my credit yanked for no reason. I never missed a payment, my payments were on time, sometimes before they were due, and I usually paid more than the amount due. They do not respond, they offer no relief or options, much less an apology for closing an account that was not delinquent. Recently! I applied for another one of their starter cards, and was denied, with the response being I did or do owe them money! I owe them about {$120.00}, and had they kept the account open, it would have been paid. This is blantantly misleading and wrong for them to not allow me to have the card, and secondly, since I did not include them, I should have been allowed to pay what I owed. I do not have the account no anymore, they can look me up by my social XXXX
Consumer complaint received 2015-09-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Meade & Associates, Inc. (OH)

I had an emergency and went to the ER at XXXX XXXX XXXX Hospital I was there for a XXXX hour Paid all the doctors etc that I got bills from.. around XXXX different ones. Only seen XXXX ... Got a bill for over {$2600.00} Plus XXXX in doctor bills ..Started paying {$50.00} dollars a month and requested a Itemized bill. Did not get XXXX ... waited 2 weeks ..requested another ..did not get XXXX ... waited 2 weeks and called and spoke to the hospital told them I needed a Itemized bill. Was told I could not get XXXX due to a new Computer system and that they would send XXXX out asap. continued to pay {$50.00} a month.. Waited XXXX more months and continued to pay the {$50.00} dollars. I stopped receiving bills from the XXXX so I called and asked Why..Again the answer was the computer system was new and not to worry about it and that they would contact me when everything was back to normal ... .Then I receive a letter from Meades & Associated saying I was in collections. They demanded full payment ... I told them what happened and I got will send you a Itemized statement ... but you need to pay Immediately XXXX dollars now .. I refused .. and stop Paying ... I tried to reason with them .... again never got an Itemized bill of what I supposedly owed. From my understanding that They can not bill me without an Itemized bill.. Also I was paying monthly and it should have never went to collections in the first place ... Would you pay if you did not know what you were paying for? They broke the FCRA and should have to remove this collection Immediately. They want to send me an Itemized bill now? No it should have not went to collections.. I paid what I could.
Consumer complaint received 2015-03-24
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: WINN LAW GROUP, APC (CA)

The Winn Law Group has contacted me regarding a XXXX credit card debt that I had to stop paying on in 2009. The 4 year statute of limitations in the state of California has passed and they can no longer sue me yet they continue to call, mail and harass me.
Consumer complaint received 2017-01-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CCS Financial Services, Inc. (TX)

this account was included in a BK XXXX and has since been discharged. this debt was just recently been place on my credit file and should have never been placed on my credit bureau.
Consumer complaint received 2015-06-10
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CITIBANK, N.A. (FL)

I received a voicemail on XXXX/XXXX/15 from someone named XXXX from XXXX XXXX XXXX at XXXX stating that they never heard back from me & that they will be calling my job tomorrow. They contacted my job the next morning without my consent & threatening me on the phone that they have my ss # & will verify my pay to garnish my wages! I told her she is not allowed to call me at work & she kept blabbing on then hung up on me. I contact XXXX from XXXX XXXX XXXX @ XXXX to let her know not to contact my work and that I have rights, she proceeded to say that she will call to verify my pay they have me recorded and that I should pay my bills then hung up.Again she made threats and not once in that conversation did she mention that I was on a recorded line.
Consumer complaint received 2023-07-27
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. (VA)

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-04
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Green Square Company LLC. (FL)

A message was left on my voicemail stating that The message was intended for XXXX XXXX and was from XXXX and that I needed a statement either from me or an attorney returned to them. They left a Telephone number XXXX XXXX File # XXXX. I returned the call to find out what was this in reference to and XXXX XXXX, XXXX advisor stated that he represent the fraud dept. and that supposedly I took out a cash advance XXXX years ago in XXXX XXXX Fl. and the bank was closed or frozen and that now they are trying to collect. The amount due was {$410.00} but it has accrued penalty and interest and now the amt. is {$1800.00}. But if I provide a credit card today for the amt. for the {$410.00} that it would stop them from going to court and would go for the {$1800.00}. They also stated that I had used my brother, XXXX XXXX and XXXX XXXX as references. I know for a fact that it is a tactic and wrong. They expect for me to call tomorrow and provide them with a XXXX credit card. His direct # is XXXX XXXX ext. XXXX. File XXXX.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Phoenix Financial Services LLC (AR)

I have disputed this account with the Credit Bureaus as well as Phoenix Financial. I disputed this account with Phoenix Financial on 2 occasions and on each occasion, they were unable to provide me a summary of all account activities, payments made, copies of charge slips, invoices, copies of documents sent to me regarding my account and any papers that bear my original signature that reflect that I agreed to pay what they say I owe. See attached letter I sent them as recent as XX/XX/XXXX of this year responding again to their letters. How is it that they sent me a letter dated XX/XX/XXXX and XX/XX/XXXX, and both were the second notice? I have never heard of this company nor have I ever did business with them. I have never signed any contracts nor had any obligation to them. This item is not 100 % accurate ( Collection accounts have no terms, so why are they reporting a term of 1 month if I never signed any contract or agreement with them, nor is it verifiable ; therefore, this items should be deleted from my report immediately.
Consumer complaint received 2016-09-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX
Consumer complaint received 2015-05-29
Product: Credit card — 
Issue: Billing statement — 
Company: FIRST NATIONAL BANK OF OMAHA (CO)

I had previously used a 0 % interest check, in which for several months I had abalance, and I did make timely payments. During XX/XX/XXXX that balance was paidin full, ended with a XXXX balance. My XX/XX/XXXX statement shows a startingbalance of XXXX, I made a couple purchase transactions during XX/XX/XXXX, and alsoa partial payment on my account. I should have had an ending balance of {$40.00}, although I was instead charged {$1.00} minimum interest, as I had abalance I was told, even though the credit card agreement clearly states Ican avoid paying interest if I pay for purchases in full during the billing cycle. 
So the way I understand it, I would have until the due date to pay the $ XXXXto avoid interest. It was later explained that their systems calculated interestif the account was " coming off of a 0 % promo '' even though it had been paid infull timely.
Consumer complaint received 2016-04-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MA)

The former owner of the telephone number has debt. I have tried to tell the creditor, they have the wrong number. They keep calling. I have filed a complaint with the attorney general. I have asked to speak to a supervisor and it goes to voicemail.
Consumer complaint received 2016-01-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I have been with Carrington Mortgage for quite some time and I always paid online via XXXX XXXX ( that is the only way to pay ). In XXXX of 2015 I made the payment and it did not go through and I found out via USPS which took about 5 days. I attempted to call and I held for over 50 minutes, and tried again on XXXX separate occasions to no avail. They do not have e-mail so I immediately got a check out in the mail for this was the only way I could make a payment and in it I wrote a letter to let them know that they were having difficulties with XXXX XXXX and this was an honest mistake. In XXXX of 2015, I again attempted to make a payment via XXXX XXXX followed with another phone call 2 days later and was told it went across ( never was there an error from XXXX XXXX transaction ). I now have a blemish on my credit score after sending them XXXX letters ( there is no other way to contact them ). I am attempting to get another loan with another company with a lower interest rate that is accessible. With this issue on my report I can not go foreword and am having great difficulty talking to them!!! Please help me with this frustrating situation for I have been dealing with this for months!!! This was not my fault, I am a widower, XXXX that works full time and am diligent on paying my bills. I need to get this off my report to get a lower interest rate so I can start planning on my retirement. 
Kind Regards, XXXX XXXX
Consumer complaint received 2016-03-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (NJ)

I was in prison ( for something that happened during an acknowledged mental break ) and my son was taken to the doctors months into my sentence. When I left he had insurance and everything for him was up to date. I get out 2 years after the hospital trip and I have an account in collections while piecing my life together.
Consumer complaint received 2015-07-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AL)

XXXX Bank took over a credit card account that I had with another company and raised our interest rates by 150 % without our knowledge or written notice. I contacted them about their deceit and the inappropriate raise in our APR and they said that I could pay off the debt but that was the only way to stop the interest accrual but they would not take back the extra interest already added for the previous months which totaled about a {$700.00} dollars. I paid off the account except for the {$700.00} that I felt was a malicious way to increase their bottom line when they had just received a bailout from the government. They kept adding interest to the interest and then sold the debt to another company. I contacted them and told them that this debt was paid and that they were trying to collect on interest charges that were illegally accrued on my account without my knowledge and that XXXX bank had kept adding interest to an already balance that was only interest in the first place. They never contacted me again but this has damaged my credit. I am sure that this has happened to many many people and that they paid the extra interest without questioning XXXX Banks practices. My credit card account was always paid on time and I had a 9.5 % interest rate when XXXX took over they had raised my APR ( without my knowledge XXXX to 25 % and this all happened after they received their government bailout. I have copies of all my statements and records to back up my claim and when I contact XXXX back and asked them to send me a copy of their letter that they stated they had sent to me about the raise in my APR, they mailed my a shrunken copy of their new customer pamphlet that the print was so small you could not even read it.
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

HSBC ( Hongkong and Shanghai Banking Corporation ) dba : Household Finance Corporation ; Beneficial Finance XXXX XXXX XXXX XXXX, XXXX, MN XXXX The Mortgage Bankers at HSBC gave us a sub-prime mortgage loan on which they foreclosed in XX/XX/XXXX. 
Our family has not been compensated for the illegal foreclosure of our home during the XXXX foreclosure crisis. We are asking that we be fully compensated {$300000.00} for the bank 's seizure of our home. There are millions of dollars floating around within the financial systems to compensate families like ours, yet we have not received compensation for the seizure of our home. 
My son was XXXX XXXX XXXX when our home was Foreclosed. He is now XXXX XXXX XXXX, and through his studies at school he has become well educated in the 'Troubles ' of XXXX XXXX and the XXXX Conflict. Similar to these situations our family was DISPLACED. We have been homeless and domestically unstable since our house was seized XX/XX/XXXX and then immediately sold on the Foreclosure Market for well below it 's actual market value. 
I have had discussion with my son regarding the conflicts that arise in other parts of the world when people are displaced from their homes. I told my son I do n't want to talk about XXXX and I do n't want to talk about XXXX anymore. I want to talk about the XXXX and getting XXXX and XXXX XXXX ( our family ) compensated for the sub-prime mortgage foreclosure of our home XX/XX/XXXX. We are asking to be immediately fully compensated for the illegal seizure of our home.
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (CA)

I called American Express so that I would be able to realize a question that I had. I had previously called and I did n't have any problems and all of the representatives were lovely and understanding. I called again because I had previously called and spoken to a supervisor who had given me some bonus miles in my gold delta card and he told me to call back today and ask for a rep so that I could get my intro offer expedited. I first spoke to a great rep that was understanding or my situation. He later transferred me to a horrid customer service supervisor that had no customer service skills at all. She started off by saying hello, but in a very dry way and she did n't seem to concerned about me or my problems. She almost right away instead of saying anything else said " I will be taking back all of the miles given to you ''. I did n't do anything wrong and I 've been with Amex for over 22 years and she made me consider cancelling all of my cards. I never lost my cool and she was still being very rude to me and dry and cutting me off even after I explained my problem and what was happening. In the end I was almost in tears because she did n't understand anything I said even though I had repeated myself many times. She did n't even say that she was sorry due to the circumstances and when the call was done all she said was " I will be talking the miles back ok '' even though I was still trying to convince her otherwise and trying to explain my situation and what she was doing to me. She then hung up and did n't even with me a good day or anything of the sort. The customer service supervisor 's name was XXXX. I am trying to send me son to New York for a XXXX in the summer and the tuition was over {$3000.00} and I also had to buy the ticket. The previous rep supervisor had given me extra miles to help me out and I had completed to pay my flight with miles and my son thought that he was surely going and everything was set, and so did I! I am now stressing over what I will need to do in order to be able to send him since he really wants to go.