davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-22
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (MO)

On XXXX XXXX, 2017 I received a call from a number that I did not recognize. I did not answer the call. Not 30 seconds later the phone rang again with the same number. Again I did not answer. Again not 30 seconds later the phone rang another time. I finally answered it. This was at XXXX XXXX I spoke to a very rude person named XXXX. She said was with Cash Central and asked me for the last 4 digits of my SSN.  She informed me that I had a past due balance of XXXX. I asked why she called three times in a row and she then told me that she could do that and since it was before XXXX XXXX it was in her right to do so. She then went into this lecture about how I needed to pay my bills and if I had just been paid why hadnt I paid this bill. I told her that I did not have the money at that time and she then said " well I think you never intended to pay this. '' Granted I had made several payment to them in the past. This is only a few days past due. The payment was only due on the XX/XX/XXXX. I revoked ACH debits because I thought they were only going to take out a payment of XXXX and they took out a payment of XXXX. XXXX then demanded that I pay the full amount now and that if I did not they would only be forced to take this matter further. She threatened me and then she hung up on me. I called the place back. Got the same XXXX who then pretended to not know who I was. She then proceeded again to demand money and again tell me that I wasnt going to pay anything back. When I revoked the ACH I asked them to only contact me by email. I informed her of that and she told me that I wasnt going to get " special treatment '' and again demanded money by the end of the month and kept pressuring me to set up a payment with my debit card. I then asked to talk to her supervisor. Again very rude, very hateful. I have asked them not to contact me on the phone again. Calling three times in a row at XXXX is rude and disrespectful. The fact that I asked them not to contact me this way in writing and yet they still continue to harass people. XXXX continually threatened me with taking this matter further. It is not even 30 days late. The supervisor then yelled at me over the phone saying that she had other customers to take care of -- after she told me that this was a collections call and not customer service. These people are terrible and threatening that take advantage of people.
Consumer complaint received 2017-11-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION (OK)

I purchased a vehicle and got financed with XXXX XXXX  XX/XX/XXXX I got a 72 month loan with payments in the amount of {$450.00}. I currently have a balance of over {$9000.00} and they told me I have 22 payments owed each in the amount of {$490.00} totaling XXXX. We have made a whole lot more payments over the term of 72 months. I called and spoke to the " CEO '' XXXX/XXXX/XXXX and we didnt get anywhere. I called again today to get answers and all they tell me is that I owe over 9K. My contract indicates a fee of {$20.00} if paid late or 5 % but does not mention that all payments will cover interest only. We have been paying for 9 years and cant get this loan paid off. No action is taken by the company.
Consumer complaint received 2017-11-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (IL)

RE : XXXX XXXX XXXX : XXXX XXXX. 
XXXX : XXXX Web : XXXX Correspondence Address : XXXX XXXX XXXX. XXXX XXXX XXXX, NE Zip XXXX I took out a student loan through XXXX in XX/XX/XXXX. Approximately 1-2 years ago the loan was transfered to XXXX XXXX. It was a horrible loan because the interest charged was 10.25-11 %. I needed the loan to complete my degree. I had a second loan with another student loan institution for 3 %. 

I decided in XX/XX/XXXX, to consolidate both loans through my credit union for 3 % interest. To complete the application process the credit union had me fill out an application. They also requested payoff letters from both student loan companies to be reviewed. The other instituition provided me with a payoff letter within 3 days. 

In XX/XX/XXXX, I began calling XXXX XXXX to request a payoff letter. Since then I have called their customer service department at least 15 times requesting a payoff letter. The representative ( s ) have been so nice each time when I requested but I never get a payoff letter all 15 times. If I receive anything it is mail saying they received my call or some other junk mail. The last time I called was XX/XX/XXXX, I was so angry I just was beside myself as to why they still have not sent me a payoff letter. I still have not received anything and I am worried my 2nd application with the credit union is going to expire because of no payoff letter from them. 

I have done everything I can -- - please assist me in this matter.
Consumer complaint received 2017-08-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (AL)

A email to me from XXXX XXXX threatened me about going to court and arresting me about a loan he was asked to show me proof of my signature on loan documents and then i will decide onhow to handle this matter. Docket # XXXX XXXX. CASE # XXXX XXXX
Consumer complaint received 2017-11-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Conn's, Inc. (LA)

I had been struggling to pay my loan anyway, but on XXXX XXXX, I was rushed to the hospital for having XXXX. XXXX was ruled out, and the XXXX are stemming from my XXXX from XXXX. I wasnt released until XXXX XXXX. On release, I am restricted from working, driving, and any military duty until released by a XXXX. I was put on FMLA at work with no access to an income. I then had XXXX XXXX on XXXX XXXX, which has me limited also. I ran out of FMLA time at work, so I had to resign. I can not get unemployment, because I can not accept a job when called. I have no income still. Family and friends were helping as much as they could, but even they are limited on income. I have no home, so I live with my dad now. I was living with my girlfriend, but was thrown out over personal issues. The merchandise is still at her house. I told Conns all this, multiple times. Ive told them to come pick up the merchandise, but they had opted to push calls back instead or offer me a reasonable payment to catch up. My bank account is negative, I can not pay my health insurance, and my ex is paying my cell phone to keep it on. So the last thing Im concerned about is a loan I can not pay either. I told them to pick the merchandise up again, and they want me to be there. Im not there right now. They turn everything I say around on me instead of listening and helping me. Im trying to file bankruptcy, that Ive also told Conns, but I dont have money for that either. They are calling me everyday now since Friday at least. It seems to me that they are harassing me and/or trying to annoy me to get a payment. Ive even told them to stop calling and take me to court. I dont know what else to do!
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Consumer complaint received 2017-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

FedLoan Servicing is miscalculating payments in order to increase its profits at the great detriment of the borrower. By way of example, note that a payment made on my account on XX/XX/XXXX, was assessed {$46.00} in interest - in other words, per diem interest for Saturday, Sunday, and Monday. That payment was correctly processed. I subsequently made payments on Tuesday, Wednesday, Thursday, and Friday of that week such that no interest would carry over into the weekend. Accordingly, one would expect that an identical payment made on Monday, XX/XX/XXXX, would result in, at a minimum, the same interest payment, or more likely a smaller interest charge - not with FedLoan Servicing. They improperly assessed an interest charge of {$46.00} without explanation, notice, or legal authority. Upon information and belief, they have been cheating borrowers in this and similar manners for years. All inquiries for explanation have been ignored. Please investigate. 

/s/ XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-11-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (NC)

From day one when I tried to make a payment, they repeatedly yelled foreclosure. Then only after saying Id report them to a federal agency did they accept a payment. 
I got behind, and they sent a PREFORECLOSURE statement to me. But in their report they noted payments that were for months that had not even came yet!!! ( see document ). 
I reported them to your agency and they said they would work with me. They said they would allow the payments to continue, but I had to pay their LAWYER fees for the foreclosure process. I asked them to extend the time to pay back the money, but they said there was a LAW which said they could not do that, They demanded {$1200.00} down and {$600.00} per month for 12 months and said if I missed one payment they would foreclose. I was paying about {$330.00} before. So they almost DOUBLED the amount of payment.
Consumer complaint received 2023-07-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (NV)

Numerous emails from TRUE ACCORD a collection agency with credit merchant XXXX. 
I receive emails every two days with different amount ( s ) in the email. 
The XXXX account is closed. 
TRUE ACCORD will not let me correspondence with XXXX nor let me see an accurate balance owed to the merchant. 
The harassment of emails need to stop.
Consumer complaint received 2023-04-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION (MD)

On XXXX I applied for a XXXX used auto loan with Navy Federal Credit Union. I called and someone stated I was approved@ 9.64 % rate. I than questioned why would my rate be so high if you advertised 5.84 % for used car? The young lady couldn't answer and than asked for a supervisor whose name I believe was XXXXI asked XXXX what were the requirements to get a loan he explained credit score length of employment and he may have said debt.I than asked XXXX well could you tell me why my rate is so high? because I exceed all those requirements and my XXXX was under 100 % .He literally said well you don't have to take the loan! I said of course I understand that but why would my rate be so high? So, my complaint is they are denying people their proper rate for an unknown reason age? race? My score at that time was XXXX with paid auto 's XXXX mortgage and 13 years on the job making XXXX a year! .If this occurs with me Imagine the people like me who they are taking advantage of and what's the basis?
Consumer complaint received 2017-11-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AL)

We have a loan for a vehicle that we have been attempting to make the payments on, and we continually receive calls, even after payments have been made. On XX/XX/XXXX, we made a payment of {$4000.00} of the {$12000.00} remaining balance. We had a past due balance of {$1000.00}, which would have been plenty to cover the past due amount. At XXXX XXXX on XXXX/XXXX/XXXX, I received a call from Fifth Third Bank employee stating she was calling regarding the past due amount. When I said she needed to check my account, as I made a payment last night, she stated that they can not check the accounts before the calls are made. She also stated that the only way to stop the calls would be to contact the bank when we make a payment, or make the payment early. I feel this harassment has to be checked into, as I feel that is not right nor fair to me to have to explain to the bank that I made a payment when they have access and can check their system before calling.
Consumer complaint received 2017-04-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: STEWARD FINANCIAL SERVICES LLC (PA)

I was granted a change of due date from the  XXXX  of the month to the  XXXX . Paid the regular  XXXX  payment and set up for auto withdraw for  XXXX   XXXX .  XXXX   XXXX   XXXX  withdrew  XXXX  payment in   XXXX   and I did not authorize  XXXX  car payments in the same month. I called on   XXXX   and was told that there is nothing they can do.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXXXXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXXXXXX XXXX. 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 2023-07-18
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: EQUIFAX, INC. (GA)

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. 


Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (WV)

On XX/XX/XXXX I went to the ATM at my local Truist bank and tried to deposit money. First I put in {$500.00} dollars then it I went to put in {$2000.00} in {$100.00} dollar bills. So after it took the {$2000.00} the money went in like it did with the {$500.00}, but then it didnt take the deposit and started to give me my money back. It gave me around {$1200.00} then the slot closed and then opened again and gave me another {$200.00}. It kept doing that a couple times and I only ended up getting {$1800.00} of the {$2500.00} I put in the ATM. After I got the last bit of my money that it gave me it then shot out a processing error ticket and my debit card. I quickly tried to get a picture of the message that popped up on the screen but did not get. I only got a picture of the ticket hanging out of the ATM and the message on the screen disappeared. One that happened and I got the error message it gave me I called the number provided on there. ( Also the time off when this happened on the ticket says XXXX XXXX ) I then filed a claim with them to reimburse my {$700.00} dollars that was stolen from me by the ATM. It has now been 13 days and I have received an email saying they will not honor the {$700.00} dollars they stole from me. I dont know what to do now or what direction to go but in. I feel hopeless that I will never get my money back. I dont see a world where the small guy wins.
Consumer complaint received 2023-07-18
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. (NC)

in accordance with the fair credit reporting act XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have came to realized that the accounts that i recently seen on my credit report is fraudulent. I didn't give anyone authorization to open any accounts in my name. I am asking that these accounts and addresses gets completely remove for they do not belong to me at all.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm contacting you regarding fraudulent personal information linked to my identity. Several accounts and transactions have been wrongly attributed to me without my awareness or approval, causing me considerable XXXX. I've fallen victim to identity theft and have already reported this incident. This situation requires immediate attention, as it has negatively affected my financial stability and reputation. I request your assistance in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I'm ready to provide any necessary evidence and, if needed, pursue legal action to defend my rights and seek appropriate redress. Your quick response to this pressing matter is greatly valued.
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, registered under the email address XXXX. I believe this limitation has occurred due to a mistake and wish to appeal this decision. 

I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a restriction on my account. I have consistently used my PayPal account responsibly for legitimate transactions. 

Given the above, I kindly request that you re-investigate my case thoroughly. I genuinely hope that, upon review, you will find that my account was indeed limited in error. If that is the case, I humbly request the restoration of my PayPal account privileges. 

I value the services and convenience that PayPal provides and would like to continue using your platform for my financial transactions. I believe in the fairness and integrity of PayPal 's processes, and I trust that my case will be reviewed impartially. 

Thank you for your attention to this matter. I look forward to a prompt response and a resolution that will allow me to continue using PayPal for my online financial needs. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-07-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (CA)

On XXXX-XXXX-17, This debt was disputed via CFPB under case number XXXX-XXXX. This dispute stated the collection agency had failed to verify said debt and was reporting on my credit report. The company responded to the complaint and stated that they would send me out the contract/ debt validation immediately. To date, This has not taken place. I am disputing this once again, as the company has failed to provide proof of debt in the form of a signed contract. Considering this information has not been provided, Per the FCRA I am not obligated to pay the alleged debt.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.