davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (VA)

I recently opened a Citi credit card ( less than 2 months ago ). I started using it normally with no problems at all. Approximately 2 weeks ago my card stopped working without any notice what so ever. This is when I had one of my worst experiences with banks. I tried to reach someone to speak to for days, when I reached someone to speak to, I was told they do not know what is going on, they hung up the phone 2 times! After some days the card started working again, and again without any notice at all. Then after some days it stopped working again, when I called to inquire they told me my account is being closed! 

Apparently someone decided to close my account, probably because I requested to make a complaint, which by the way was not filed. 

I believe that such careless handling of customers ' credit lines is something extremely sensitive, and it would also affect my credit score negatively.
Consumer complaint received 2016-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (PA)

I had submitted my request to renew my XXXX plan back in XXXX ( XXXX XXXX ish ) of this year. I had figured that my XXXX would be re-certified and everything would be okay. I received a phone call on XXXX XXXX when my payment is due on XXXX XXXX to alert me that now I owe {$1500.00} for XXXX and XXXX upcoming payment. My XXXX had been denied and they apparently sent me an email notification on XXXX XXXX. I checked my online account with them after the phone call and did see the message but no reason stating why it was denied just that " my '' request to deny the lower payments had been processed. Lol give me a break ... 

I had submitted my proof of income with my renewal ( a pay stub with frequency listed on it ) but apparently because I checked, No My Income Did Not Change they absolutely ABSOLUTELY needed a tax return from XXXX ... seriously? It 's almost XXXX Tax Season my Paystub is n't enough for you to use in the calculation? So it was denied because I sent in a Pay Stub instead of a Tax Return and they are just now calling on XXXX XXXX to tell my I am past due and in the hole of {$1500.00}. 

The absolute worst part of the call .... Having to agree to an Administrative Forbearance, have my interest capitalized and be penalized after literally 3+ years of following procedures and not having any issues. They could 've even offer me some type of hold for me to get the paper work in that did n't capitalize interest. So ... now I am RE Submitting my renewal with the XXXX XXXX tax return from XXXX. 

Student Loans are literally a death trap for recent graduates. Who can afford {$730.00} a month and still live comfortably? Seriously ... this whole thing sucks. I am about ready to stop paying all together and just let them go into default, drag out my forbearance time and then use up my deferment time. That way when I finally run out of holds I 'll be in my XXXX and wo n't give a XXXX.
Consumer complaint received 2015-08-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC (CA)

I have a car loan with American Credit Acceptance and I keep getting reminder payments for another consumer. I want this to stop as it is against CFPB regulations. I have made phone calls and yes they do call me back during working hours when I can not use my phone. When I return the calls I get voice mail. This is what I get sent to my e-mail at work! 
For another consumer I have received XXXX different e-mails.The XXXX e-mail I received was XXXX/XXXX/15, then on XXXX/XXXX/15 and then again XXXX/XXXX/15:
Consumer complaint received 2016-06-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LJ Ross Associates (IA)

This phone number XXXX from LJ Ross and Associates continue to call my cell phone and tell me that I owe medical debt in XXXX when I have never been to XXXX in my life. They will not stop calling me!! Its rather frustrating especially when I know I do not owe any hospital debt.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (WA)

PayPal deceptively changes it 's normal checkout so that you get signed up for their credit account, then makes it the default for eBay payments, with no notification to the user. 
Called PayPal to close account, and it 's still open.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (NJ)

XXXX is reporting an inaccurate account on the consumer credit report. The original company is a private landlord who received a security deposit and monthly housing payments in advance. The residential lease was not renewed via property price increase. As a result, a move-out notification was provided, the unit was vacated at the agreed date and there were no outstanding rent due upon relocating. This matter was never known until appearing on the credit report. Once known, XXXX and National Credit Systems received the following letter : Dear XXXX, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number or identifier account : XXXX Source of dispute information : NATIONAL CREDIT SYSTEMS INC Type of disputed information : Inaccurate credit account/tradeline Dates associated with item being disputed : XX/XX/year> Explanation of item being disputed : o 602. ( a ) / [ 15 U.S.C. 1681 ] Reporting this account violates this section because an alleged housing claim has nothing to do with banking or credit worthiness. REMOVE THIS ACCOUNT o 603. ( a ) and ( d ) ( 1 ) ( A ) - ( C ) / [ 15 U.S.C. 1681a ] Reporting this violates this section because the alleged account has no relation to credit, insurance, employment, or laws outlined in section 604/ [ 15 U.S.C . 1681b ].

o 603. ( 2 ) ( A ) ( i ) This alleged account is only a transaction or experience between parties, and not that of an extension of credit or having any relation credit worthiness. The only qualification this account has is " mode of living '' and identification of address. REMOVE THIS ACCOUNT o This account does not comply with the definition of an " account '' expressed in section 903 of the Electronic Fund Transfer Act.

o 607. Compliance procedures [ 15 U.S.C. 1681e ] Reporting this account violates accuracy of reporting. REMOVE THIS ACCOUNT o 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Comply with this request for reinvestigation.

o 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ; 617 ; FDCPA : 813.

Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Reporting this inaccurate account for another 30 days will result in civil legal action in the amount of {$250000.00}. Plus, remedies at the State and Federal levels.

o 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( B ) Residential housing is pre-paid or paid in advance. There was/is no extension of credit, XXXX arrangement, etc. In addition, there was no proper service of demand, or Civil judgement rendered for any alleged amount owed. 
The furnisher was informed that this information is inaccurate, yet still made the decision to report. 

I have attached a copy of the email thread. 

Thank you for your assistance. I look forward to handing this matter outside of a courtroom. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (ME)

I asked for identity verification with Equifax. Even though I submitted an id and my social security number via fax 3 times I never heard from them. When I called they could never find any record. I sent in that information by mail and never hard from them. 
Even though I 've done everything exactly as I had been asked to do I can not get information as to what is in my records.
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Prince Parker & Associates (MA)

XXXX XXXX XXXX has provided more than XXXX phones free over 12 years as a customer. I negotiated XXXX phones at XXXX for free and as a gesture agreed to add a XXXX line which was not needed. XXXX XXXX XXXX pushed a Free Tablet which I agreed to as well. When XXXX XXXX came with Tablet [ both free ] XXXX XXXX XXXX made error and sent XXXX of each. Being honest I sent both back and said never mind I do n't need tablet or XXXX line because they were reneging on free phones. Then they said we 'll give the free phones and issued credits to get me to stay. Long story short, CS Reps verified I was promised XXXX free phones but when {$40.00} of charges for the XXXX line and tablet went on my bill and XXXX XXXX XXXX would not credit me, I said I would take them to Small Claims Court and get triple damages. It was illegal since I never accepted the products. After that someone from executive offices said I was never going to be credited for the charges ... I had already been given enough credits. But they were all deserved for other reasons! It was CRAZY! Anyway, the only way to teach them a lesson was to discontinue the XXXX XXXX XXXX service and so they placed XXXX of the phones costs on my bill and I was forced to pay it or I would not have been able to leave with my special phone numbers. So I did pay and then disputed the charge with my bank, because of how they took my credit card. The XXXX banks agreed that I had been defrauded and charged XXXX XXXX XXXX back. Now they are using an un-reputable firm calling with harassing calls to collect for a phone that is not owed monies for. I have contemporaneous and copious notes backing up what I claim and multiple XXXX people on chat logs telling me I was getting XXXX free phones. I hope you will be able to stop this madness in light of XXXX XXXX XXXX trying to get bigger by acquiring XXXX XXXX which should never be allowed. They want {$760.00} from me to help defray the cost of the {$85.00} XXXX! Thank you ...
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WV)

I fell for a sugar daddy scam and he stole my cash app account. I want the account shut down but I cant contact cash app at all Ive tried call and everything. They dont have a help line and you have to have access to the account for you to go to the support and get help.
Consumer complaint received 2016-11-01
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Midwest Recovery Systems (CA)

I was told that I was being sued over an unpaid debt from 2012. They said I needed to turn myself into the sherriff 's office to avoid putting myself or others in danger. I have no idea what this is, but I know it 's a scam. The internet is full of complaints about this EXACT behavior, EVEN DOWN TO THE AGE OF THE DEBT ( 2012 ). 

They have called me repeatedly, as well as my XXXX year old mother who lives in a different state. They threaten and use any number of illegal tactics. 

Today this phony debt showed up on my XXXX credit report. I filed a dispute with them too.
Consumer complaint received 2017-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.Q. DATA INTERNATIONAL, INC. (SC)

I have made several attempts to request that " IQ Data '' ( The debt collector ) validate this alleged debt that they are stating that I owe with the first attempt sent in a certified letter dated XXXX XXXX, XXXX of which they never responded or acknowledged that they received it which is a violation of the FDCPA section 1692 ( g ) and the fact that they never responded in 30 days, this is not a valid debt therefore it needs to be deleted from my personal credit account with XXXX. The second letter was sent certified on XXXX XXXX, XXXX and the Third and final letter sent out certified on XXXX XXXX, XXXX of which as of the date of this complaint, they still have not responded. I have even filed a police report against IQ data and still no immediate response from them. I do not know who this company is or how they ended up with all my personal information and without my consent, and they feel it is okay to not abide by the federal laws that protect the consumer from fraudulent claims of debt collection and not answer any of my requests but still communicate with XXXX and not the consumer to advising them to continue to report a invalidated debt on my personal profile which I have not contract with them on nor have they provided me proof in a detailed " Bill '' that show how and when this alleged debt occurred or what is it for or that I owe anyone an alleged debt and they have the authority to collect on behalf of the person who may be claiming I owe a debt. At this point I believe I am a victim of Identity theft and Extortion from this unknown company trying to collect an alleged debt that is not validated and refusing to provide me proof that what they are saying I owe is accurate and really a lawful debt that I owe.
Consumer complaint received 2016-07-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NJ)

My name is XXXX XXXX residing in the above mentioned address with my wife and XXXX children. I write to complain the treatment that my mortgage company is giving me. I have my mortgage with Chase home finance and my account number is XXXX. The phone number is XXXX. Last year I had XXXX and I was in and out of the hospital for more than six months without working. At the same time I lost my younger brother who was helping financially. Also I have XXXX of my children in college, XXXX in high school and the last XXXX in elementary school. My wife works XXXX day in a week XXXX. I requested for mortgage assistance and they denied me modification instead, they offered me a plan that was higher than my monthly payment, but I did not take it because I could n't afford it. Since this year I have lost XXXX of my sisters and my wife is still working XXXX day a week as XXXX I applied for another assistant again and they denied me without a specific reason. They transferred my mortgage to another Chase branch that wrote me and told me that I would not participate in any Chase Assistant Program. I really want to keep my house with my family, if they can offer me a reasonable modification because of my hardship at this present time.
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (TX)

Target Red credit card charged me return fee ( {$27.00} ) for payment return as the checking a/c was closed. I contacted them and explained that it was not the case that I do not have funds but the a/c was closed. They said that they will not reverse. From the website, I found following- '' RETURNED PAYMENT FEE -- You will pay {$27.00} each time any check or other payment order ( including an electronic payment ) is not honored by a depository institution. In any event, the Returned Payment Fee will not be greater than the Minimum Payment Due that was due immediately prior to the date on which the payment was returned to us. '' It was a return not related to funds but a/c closure so these charges should have not been levied but a chance or atleast notification should have been sent to customer. Since I check my XXXX account every day so I notice that payment has been rejected by bank so I made the manual payment on my own without notification by target XXXX
Consumer complaint received 2016-05-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc. (NC)

this company has kept on its record an account that is fraudulent was from my identity being and stolen and used to receive goods and servicews without my permission this company keeps this fraud account on their records in additoin to reporting it to the credit bureaus when knowing it is fake
Consumer complaint received 2016-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (TN)

The Department of Education forgave all of my previous ( prior to XX/XX/XXXX ) student loans due to XXXX. The monitoring period was from XXXX XXXX through XX/XX/XXXX, with XXXX of those loans having a monitoring period that extended to XX/XX/XXXX and XX/XX/XXXX, respectively. Therefore, the " Date of Status '' being reported to the credit bureaus ( XXXX, XXXX and XXXX ) should not show any activity beyond XXXX XXXX. Nor should a " recent balance '' stated, or implied, appear as though the accounts continue to have a balance owing. Furthermore, the " Recent balance '' should be shown to be " XXXX. '' This is not the case. 

Nelnet Inc, the student loan administrative arm for the Department of Education is reporting inaccurate and misleading information to the credit bureaus ; thus, distorting my credit score and worthiness. This has resulted in lost of credit and job opportunities, and has affected my finances negatively. 

The accounts that show under student loans, include : Department of Education, Nelnet Inc, and XXXX. All of the student loans were transferred to the Department of Education ; and, ultimately forgiven. Nelnet Inc, the administrative arm of the Department of Education, oversees student loans and any forgiveness of such loans. Reporting of such loans is also handled by Nelnet for the Department of Education.
Consumer complaint received 2015-04-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Tebo Financial Services, Inc. (SC)

I can only make my payments online or by calling into the business, but I will be charged a {$5.00} fee. I have been denied access to my account online for the last 8 months. I have no way of getting my balances and seeing if any of the payments I am making are being applied to my balance. I do n't have a coupon book or receive any statements from this company. I have been asking to have access back to my account and the only thing I am told I am sending to the supervisor to unlock your account. I am constantly harassed both at home and on my cell. I have so XXXX and I would just like to know what my balance is and at least get a email telling me where my account stands. I feel that I am blindly making payments and I will like to get a resolution to this ongoing problem.
Consumer complaint received 2024-09-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

On XX/XX/year> I myself and co-signer, agreed and signed into a 12 month rental contract with XXXX XXXX. We were given a code over the phone after we signed the documents and paid security deposit via docs signed. Upon entering the property on XX/XX/XXXX we were surprised to learned that the home was not safe, unhealthy, had XXXX  problems, XXXX  issues and was considered inhabitable due to XXXX  as well. We tried to contact the agent who helped us she disappeared on us. The property management was no helped as well and as well as the landlord and was not successful because we were rented by a false agent and no one was able to break the lease term or deal with the issues we faced. On XX/XX/XXXX I file a 7 days noticed to cure to the registered agent of the property, followed by a vacate noticed after i contacted the City of XXXX and legal aid for help. the city compliant officers came to the property to do a inspection and determined the home was indeed XXXX. I was advised by legal aid to evacuated the property by XX/XX/XXXX. I evacuated earlier due to a XXXX XXXX  and XXXX XXXX XXXX XXXX  that put us in danger. and the city had to turn off both water and power. I was served court documents for eviction after I moved out a month later. I went to court and found out the case was dismissed by the property owner right after they filed. I never received back my security deposit 0f {$3000.00}. I now received a letter from a debt collector stating me and my co-signer owes {$15000.00} to nation credit system INC. for the same property, and this is affected both our credits negatively. The lease agreement was terminated under Florida statue 83.201 landlord failed to repair property and tenant had to voluntarily evacuate and break the lease for safety and inhabitable reasons including withholding rent. I'm asking to have this collection stop immediately, and this debt on filed be removed and dismissed.
Consumer complaint received 2016-07-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO. (IL)

I have a private student loan that I initially opened with Chase student loan. They sold it to XXXX Last year my family had several health issues that caused us to fall behind on many bills including our mortgage. All other creditors including our mortgage company worked with us in helping us get caught up. XXXX turned my account over to XXXX XXXX XXXX when it defaulted. I have asked them for a loan Rehabilitation, but they will not do anything but take a large deposit and large monthly payments or a large settlement.
Consumer complaint received 2016-10-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2016, I was notified by local SSA office the trust account SSA was investigating found {$160000.00} missing and was told it was a loan. I phoned suspected person, and was told additional {$12000.00}. was taken from son 's trust fund also. 
Below, I have attached documents, and will be filing separate claims with this agency in an effort to have trust account bank 's cooperation in verifying all accounts associated with major trust account, to return all of our money.