davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Harpeth Financial Services, LLC (TN)

For the last 6 paychecks, Attorney XXXX XXXX has been garnishing 25 % of my wages without notifying me of a lawsuit against me. On XX/XX/XXXX, I called their company and spoke with someone who said that they did serve me the paperwork, however, I informed her that I was never served. According to the paperwork they have, they served me on XX/XX/XXXX at an address that I have not lived at since XXXX. I am not sure whose signature they obtained when they " served '' me but I never received any notification from them. When I notified the attorney of this, they said that I would need to send a down payment in order to stop the garnishment and start a payment plan. They have already taken {$280.00} and I already know that I can stop the garnishment through my civil courts. I would like to file a formal complaint against this attorney for illegal practices and possible forgery of legal documents.
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX, my credit card ending XXXX has a credit balance of {$5300.00}, requested capital one to refund since then. 

the request was never handled properly so as of today i have not received my refund. 

On my phone call last week, the customer representative apologized and said " they dropped the ball '' for not processing this correctly. and the customer service GUARANTEED that due to the mistake, they will transfer the balance directly to my debit balance account. 

One week after today, i have not received the money nor a follow up call. So i called again only told that they sent out a check for the refund, when i question how my complaint can be heard, the customer service XXXX ( employee ID XXXX ) told me the complain is handled by " HIGHER UP '' can i can not talk to them. 

When called back again, another representative put me on hold for 17 mins until i hang up, when i specifically requested to be transfer to someone who can handle the balance transfer to me today. 

As if XX/XX/19, my money is no where to be found and somehow on capital one 's credit card account, it shows the balance has been refunded to me. Scam.
Consumer complaint received 2018-10-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

Someone open a credit card account with XXXX XXXX Bank on XX/XX/2014 utilizing my social security. Current creditor Portfolio Recovery Associate disclosed that the debt amount is for {$2100.00}. Address utilized is from NY, XXXX.
Consumer complaint received 2023-10-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (FL)

I had a loan for new car XXXX XXXX XXXX since XX/XX/XXXX by XXXX month, when the pandemic arrived they extended the by XXXX  month and my loan end on XX/XX/XXXX included the payment and interest every month, but the company refuse to release my title. I paid all interest of the loan with late payment because the company never help me to put one payment on the final loan, mess my credit without any consideration. After that, I fixed to continue to make my payments, Now the company take advantage from the COVID-19 to charge more interest of the interest that they took from the loan. I hope to find justice. 
Honda financial Services
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (NC)

First National Bank of Omaha XXXX credit balance I lost my wallet in XX/XX/2018. I notified First National Bank who ternimated that card number. I failed to contact them within the next billing cycle to reissue a new card, and the account was automatically closed. I understand why it was closed, however the {$160.00} credit balance was not automatically returned to me. I understand they have five months to return a credit, but that should only be on a current account. By not automatically returning my credit upon closing the account, I believe they are acting fraudulently by keeping the money for 5 months, as there was no way for me to use it. Also, I continuing getting statements that show I have a XXXX dollar credit limit, and there is no indication on those statements that it is closed. That is very misleading.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

The 3 credit reporting agencies are still reporting a account that was opened in XXXX with XXXX XXXX and closed /discharged in XXXX another company called XXXX XXXX XXXX XXXX bought the debit in XXXX and reporting it as opened in XXXX this information is incorrect and currently impacting my credit greatly causing distressing harm.
Consumer complaint received 2023-10-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (FL)

Mohela processed my PSLF application and forgave a large portion of the loans, but not the final amounts {$2600.00} and {$2400.00}. They finally sent me a letter on XX/XX/XXXXXXXX  stating that I had met all requirements of the PSLF program and the loans would be forgiven, but those final two amounts still have not been forgiven. I emailed them on XX/XX/XXXXXXXX  about why the loans were still not fully discharged and they told me that even though I had made 174 payments and only 120 were required, they still hadn't completed their review and I would need to allow the review to complete as more months might be added ( even though I had already made 54 more qualifying payment than were required for forgiveness ). I contacted them again about the same issue on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On the last two emails I mentioned that the loans were showing in repayment status even though they were supposed to be forgiven. They did not reply. I now have a bill for {$300.00} due on XX/XX/XXXXXXXX  for loans that are supposed to be forgiven. Also, when I originally applied for PSLF, I checked the box on the form that stated I believed I had made enough payments to qualify and wanted my loans to be in forbearance until the PSLF review had completed.
Consumer complaint received 2018-10-23
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: CITIBANK, N.A. (PA)

Dear Sir/Madam i had contacted XXXX XXXX XXXX many times and they didn't care about consumer, i have a fraud on my credit and most inquiries has been removed already i had contacted many times XXXX XXXX XXXX XXXX to remove 2 unauthorized Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 by SEARS i had contacted SEAR Creditor how has Run my Credit with Unauthorized and i got t proof ( Two Letters ) from creditor to remove and SEARS already mentioned they sent two letter to XXXX to remove two month ago with no response till now i going now to attach proof has sent to them to XXXX to remove 2 hard inquiry Sears/cbna XX/XX/2018 - Sears/cbna XX/XX/2018 Note : what is the XXXX Problem if i has letter from who run my credit to remove Unauthorized Hard Inquiry So Please ask XXXX  Should care little more about consumer establish credit life in US and remove this two hard inquiry Sears/cbna XX/XX/2018 - Sears/cbna XX/XX/2018 XX/XX/2018
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still have not heard anything back. My complaint is being disregarded and that I am being victimized of. It is precisely stated in section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I will pursue you for the anguish you put upon my life. The XXXX data breach exposed my information as well as, and it is feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MN)

Please Remove this information from my credit report pursuant to section 15 U.S Code 16815-2 ( B ) of the fair credit reporting act. If a consumer submits a identity theft report to a person who furnishes information at the address specified by that person for receiving such reports stating that information mantained by such person that puports that relate to the consumer resulted from identity theft, the person May NOT furnish such information that puports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. The information is NOT Correct infact i was incarcerated on XX/XX/XXXX and released to the federal re - entry half way house in XXXX making it Impossible for me to have obtain or use ANY form of credit card or obtain any form of financial loan at the time of the account openings. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX
Consumer complaint received 2018-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2018 I was on XXXX searching for event tickets and found an add that advertised tickets for the amount of {$120.00}. After this point seller organized the money exchange would be via XXXX ( It felt safe because my bank Wells Fargo was linked so naturally assumed there would be protection ). The seller proceeded to send XXXX account email and instructed me to send {$120.00}. After I sent funds a brief phone call was made to seller where I was told that the tickets were being sent from XXXX and that it would take a few minutes and quickly hung up. Several phone calls attempts and several more after the seller denied all calls made. This was a devastating experience using XXXX. 

Ps I reached out to Wells Fargo and was told nothing could be done and to just call the cops. Wells Fargo doesnt not refund any XXXX transactions if its comfirmed fraud only if the XXXX sender is hacked.
Consumer complaint received 2019-03-27
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. (CT)

I have contacted Experian by certified mail asking them to validate a XXXX XXXX charge off account that is listed on my credit profile. The company fails to validate the debt with the company because XXXX XXXX can not product the original loan documents that I have requested them to provide me with.They continue to ask for additional information, however, I gave them the account number as it is listed on my credit profile as well as my first and last name, mailing address, and social security number. They continue to ask for additional information. I requested Experian to validate that the information is indeed mine and listed correctly on my account. The say that they validated that the debt is indeed mine and it continues to report on my credit profile but XXXX XXXX can not forward the documents necessary to validate the account. The continue to aid XXXX XXXX in violating the fair credit reporting act on multiple occasions. The account is not mine and it is listed on my credit profile.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

In XXXX of XXXX, I spoke with Santander about a hardship to move a payment towards the end of my loan. I went through the process where I then signed documents stating as of XX/XX/XXXX that my next payment would not be until XX/XX/XXXX. The whole time Santander started reporting from XX/XX/XXXX that my account was past due and I had not paid, which was inaccurate. I contacted them at the beginning of XX/XX/XXXX because I had received a phone call stating I was past due when I knew I had just signed paperwork due to my hardship. I went back and forth almost daily with the company about their error in reporting and how I had legal documentation with them about my next payment not being until XX/XX/XXXX. It continued to drag out and ultimately the company told me they were unwilling to honor documents that were already signed and stated that my account was past due. They have been reporting that I am past due even though I have made the payments to catch up, despite the contract I had signed and then they completely quit reporting on my credit report as of may. And falsely reported late payments all the way up until XXXX of XXXX.
Consumer complaint received 2018-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (FL)

I got a loan for {$1000.00} ON XX/XX/XXXX ... received a payment schedule showing when I had to make my payments for fixed amount of {$210.00} every two weeks .... that would be a fraction for principal and the rest for interest .... the more payments I complete the less interest I was suppose to paid ... So because of that I made a payment to the principal amount on XX/XX/XXXX for {$400.00}, and then moved my 1st payment to today 's date ( received and email with confirmation of the payment date changes ) so I made my payment today for {$230.00} which included {$210.00} plus late fee, so when I called Big Picture Loans to find out how much would be my pay off amount I was told that I own {$610.00} because my payment for today was all for interest ... but the payment schedule I received does not show that any payment will go full to interest ... I want to pay the money I own but I can't afford making payments of {$200.00} and over just for interest. 
This is the schedule I received but the account I does not show any update after {$400.00} payment made to principal Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01 XX/XX/XXXX {$1000.00} {$57.00} {$210.00} {$150.00} {$940.00} Regular Current XXXX XX/XX/XXXX {$940.00} {$46.00} {$210.00} {$160.00} {$890.00} Short 03 XX/XX/XXXX {$890.00} {$82.00} {$210.00} {$120.00} {$810.00} None 04 XX/XX/XXXX {$810.00} {$94.00} {$210.00} {$110.00} {$710.00} None 05 XX/XX/XXXX {$710.00} {$100.00} {$210.00} {$100.00} {$610.00} None 06 XX/XX/XXXX {$610.00} {$120.00} {$210.00} {$87.00} {$480.00} None 07 XX/XX/XXXX {$480.00} {$140.00} {$210.00} {$70.00} {$340.00} None 08 XX/XX/XXXX {$340.00} {$160.00} {$210.00} {$49.00} {$180.00} None 09 XX/XX/XXXX {$180.00} {$180.00} {$210.00} {$26.00} {$0.00} None I also attached an email I received where they stated that the agreement for new payment date WILL NOT change the original one, so why did they change the amount that was suppose to go to my principal? 
Please help.
Consumer complaint received 2018-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

On XX/XX/XXXX Nelnet customer service sent a changed update to my deleted student loan after my student loan complaint had been notarized by my bank XXXX XXXX XXXX I disputed and had this student loan with University XXXX XXXX confirmed paid in full and removed after seven years ago. It was not signature forged issues and Nelnet did not get caught trying to say I had signature forged as a identity theft claim. The XXXX Federal Education Loan Program confirmed by representative XXXX was no longer owed to Nelnet that bill was removed that I agreed to on audit electronic signed XX/XX/XXXX. This still caused Nelnet to want some kind of forged signature notarized issue from me or appeal a denied identity theft claim submitted and on their recorded line they stated takes thirty days and would process no sooner than at least fifteen minimum days and they illegally authorized a XX/XX/XXXX and XX/XX/XXXX electronic letter from Nelnet customer service team. I want this student loan removed because they illegally authorized it to me on XX/XX/XXXX I already switch my enrollment to XXXX University to keep from being billed by the University XXXX XXXX. The FTC filed a report against Nelnet that was mailed to them from student loan error caused to me after I disputed Nelnet account student loan XXXX acccount with their company for over seven years. Nelnet supervisor explained to me to get a lawyer to have this loan removed and that the University XXXX XXXX never reported I disputed and had it removed and XXXX the financial aid department confirmed to Nelnet XXXX that I did not owe FFELP student loan I agreed to it was not on file the Nelnet supervisor lied and so I am sending over this CFPB because I never said that it was being scammed by signature issues and would like it removed due to even those reporting errors Nelnet caused me in XXXX after my dispute was accepted by fair credit reporting act and equifax been removed this nelnet account and XXXX disputed Nelnet reporting errors because I did not owe Nelnet anymore payment arrangement and income driven payments I want a letter from Nelnet collection department that it removed from disputing I did not change from a deleted student loan request for XX/XX/XXXX.
Consumer complaint received 2018-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Last Saturday, XX/XX/XXXX, I was looking for a concert ticket for the XXXX XXXX XXXX XXXX. I found a guy, XXXX XXXX ( XXXX, XXXX ), who had what he told me was an unregistered ticket for the remaining two days for {$150.00}. He said he trusts XXXX, which upon researching the company I found ALL of the banks including my own ( Chase ) were partners. 

I submitted the payment of {$150.00} and the app told me there was a problem and it did not send. So I sent it again and this time it went through. Upon checking my bank account, both {$150.00} were sent ( {$300.00} total ) despite the app telling me the first one did not go through.

I contacted Chase to immediately cancel the transactions within 5 minutes of it happening. The lady on the phone told me I had to contact XXXX. I hung up and immediately contacted them. The guy on the phone even noticed the error and told me he did see the error, but then told me that there is nothing they can do and that I have to contact Chase. 

I contacted chase again and was transferred to 5 different people. All of them asked me the same questions ( for security purposes ) so this phone call lasted 30minutes. The first 4 people said I had to be transferred. Finally, the last lady told me the guy already withdrew the money so they can't cancel the payment. They sent a letter to the bank but after 8 days, I have received nothing. 

Despite the first payment not even supposed to go through, both went through and the guy went silent. I know {$300.00} feels like a low amount, but the {$150.00} for the tickets was the last of my spending money that I saved just for that concert and with another {$150.00} going missing as well, I am struggling.
Consumer complaint received 2023-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to TransUnion to remove these item XXXX and XXXX and wont remove them Also, because I have not supply proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume, that no proof of the alleged debt, nor therefore any such debt in fact, therefore exists.
Consumer complaint received 2023-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Identity Theft Victim. An unknown person used and obtained credentials on Paypal using linked credit Cards to bypass the system, create an account, and make purchases totaling {$3500.00}. My only account on PayPal is XXXX. Someone stole my info from PayPal and got access to my cards on their system. Terrible service to have your cards on. I would like my money refunded from the hacker 's account. I have already filed a police report and spoken to PayPal but their customer service team does not speak English and will not help me solve the issue. These transactions are unauthorized.
Consumer complaint received 2019-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

Santander is refusing to apply extra monies I include with my car payment to go towards the interest instead they subtract my car payment and principal amount which is {$330.00} to pay the interest even though I'm sending them {$400.00} which would take care of the entire principal and leave {$60.00} to go towards the interest. Instead they are holding back the {$60.00} and telling me that they can't use it for the interest only for the principal amount.
Consumer complaint received 2023-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

Upon pulling my credit report, I noticed that there is an account from IC System, INC in the amount of {$110.00} that does not belong to me. I do not know what this is for, and I have not heard from this company and had no knowledge of them until the account showed up on my credit report. Per the FDCPA, within five days of attempting to collect on a debt, the FDCPA requires a collector to provide validation of that debt. I have received nothing from this company.
Consumer complaint received 2024-08-19
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. (CA)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$840.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX XXXX