davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I applied to several XXXX postings at XXXX and one of them was from XXXX XXXX XXXX. The first email I received was XXXX XXXX 2017 from an email XXXX saying that it was tough to decide on the select group chosen for an interview because they received so many good resumes and that I was one of those selected for an interview. <P/>I was asked to add XXXX XXXX ( XXXX ) on the XXXX XXXX platform to undergo the interview process. According to them, she was an HR recruiter for XXXX. This XXXX person gave me all the duties and responsibilities of the position and asked me if I could handle the job duties if I were being trained towards it, I responded by saying yes, then she proceeded with interview questions. Once we finished, she said to check back by XXXX the following day via the XXXX XXXX platform for the decision. The next day they said I was chosen. <P/>I received another email from XXXX congratulating me for becoming part of their company and they attached an offer letter. <P/>Then they emailed me a check {$3000.00}. on XX/XX/2017 with instructions on how to deposit it via mobile through my bank Bank of America, and that I was expected to cash {$2800.00} of it and deposit to a XXXX XXXX account the following day to a person named XXXX XXXX XXXX who is the vendor in charge of sending me the training materials for pre-training. I believed it and so I did, I also thought that since Bank of America made the funds available the next day, then it was a legitimate check. On XX/XX/2017 they emailed me another check for {$4000.00}. and from there I had withdraw and deposit {$3900.00}. for more materials. <P/>OnXX/XX/XXXX. I went to what I thought was my first day of my internship at XXXX and the security guard could not find my name in their system. I was told that I was actually scammed and that they were very sorry this happened to me, and that someone also got scammed that same morning. <P/>I went straight to the police station and made a police report, I also contacted Bank of America but they are not cooperating with me regarding my situation. Instead they withdrew my checking and savings accounts to pay themselves back from the fraudulent checks. Now I have negative status on my account of - {$6200.00}. Additionally, Bank of America flagged my account to be closed XX/XX/XXXX which is not the standard time to close an account.
Consumer complaint received 2020-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (CA)

I was a customer of XXXX XXXX at my home in XXXX XXXX California. XXXX XXXX XXXX XXXX XXXX CA XXXX account : ( XXXX ). When I terminated the service ( XX/XX/2018 XXXX and moved overseas I had a credit balance on my account and had expected to have a check in the mail on hold at my PO Box . Months later I decided to just check on the account to make sure everything got processed I was told that I now owe {$220.00}. What? I learned that XXXX never turned off the service in their system despite me returning all of the equipment. I called three separate times over 12 months and each time I was told they would fix. Dispute XXXX / XXXX as agent - 2nd attempt with history. Not only did they not fix it, they turned it over to collections which has affected my credit score. The easy thing would be to pay this but it is a matter of principal. Honestly I just want this cleared. I do not care about getting my credit back at this point. The fact that a companies systems are so screwed up and focused on the customer being wrong that they can not even correct their own problems internally speaks volumes.
Consumer complaint received 2020-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

On XX/XX/2020 i filed a complaint against this company that is trying to collect a debt that i do not owe them i am asking them to show me proof of my signature on any contract with them either in person or electronically. I do not know this company nor have i signed a contract weather in person electronically by voice or any methods of agreement with them.
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SQUARETWO FINANCIAL CORPORATION (SC)

On  XXXX / XXXX / XXXX , I received a summons fro m my county  from CACH , LLC that was filed against me to repay a loan for the amount of {$140000.00} that was received from   XXXX   XXXX   XXXX   , Inc . The summons identified me as the president of a business. My identity was used, without my knowledge or permission, to obtain this loan through an unidentified third-party broker.    XXXX   XXXX   XXXX   XXXX    and CACH , LLC neglected to verify my identity by any reasonable means or confirm the validity of documentation submitted in my name. On  XXXX / XXXX / XXXX , the aforementioned loan company disbursed the proceeds from the loan, by wire, into a  XXXX   XXXX  business checking account that was also opened in my name without my knowledge or permission. Within 3 days, without imposing reasonable security restrictions,    XXXX   XXXX   XXXX    team member  ( s  ) allowed two parties to withdraw more than {$98000.00} of the proceeds from the loan that I was held liable for.
Consumer complaint received 2017-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

Hi, my name is XXXX XXXX. My wife XXXX and I own/operate a Michigan based XXXX business names XXXX XXXX. We have been in business for almost 15 years serving our local customers and community. Like many business owners, we receive money from our clients via PayPal. We have been a loyal user for a long time and made thousands of dollars for paypal in credit card transaction fees. On XX/XX/XXXX, my paypal account was emptied out and {$2900.00} was stolen from our business. I realized what happened and contacted paypal on XX/XX/XXXX. They told me that after reviewing everything, they determined that no unauthorized transactions took place. I then appealed it. They denied the appeal. On XX/XX/XXXX, I talked to a PayPal rep and they are claiming that someone called in and added a new bank account in XX/XX/XXXX. When they did that, they are required to verify identity over the phone. They claim that all identity verification was approved and therefore, they are saying that no fraud happened. I asked them what was done to verify my identity and was told they would not tell me that and that had to be subpeonaed by an attorney. I called XXXX XXXX XXXX on X/XX/17 and they verified that I do not have any accounts with them.
For at least the last 7 years, I 've always kept a rolling balance in my paypal account of at least {$2000.00} to make sure that any charges going out would be covered. There is ALWAYS at least {$2000.00} in the account. Then all of a sudden, a new bank is added, all the money is cleared out so the account is XXXX out, and PayPal does n't see anything abnormal with that. According to federal protections act 15 US COD 1693g which is the electronic funds transfer act, it 's on them to prove that I made this authorization and transaction and there is no way they have proof since I was not involved in this at all. <P/>I understand that as a company, they did their due diligence to make sure things were on the up-and-up ( or so they claim ) and with a company that size, things will slip through the cracks. Unfortunately, I 'm the one that slipped through the cracks and they are unwilling to help resolve this.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have contacted Experian Credit Bureau on three separate occasions by certifies return receipt mail via the United States Postal System., Each attempt has failed and been unsuccessful.. The problem is that on my account specifically that of XXXX XXXX XXXX XX/XX/XXXX, Account Number XXXX Date Opened XX/XX/XXXX., Experian has failed to correct my Payment Status to : Paid As Agreed not the the current Payment Status : Current but was 30 days past due., As XX/XX/XXXX and XXXX XXXX have Purported since XX/XX/XXXX, XXXX, Please let the record show and reflect that on this date of XX/XX/XXXX @ XXXX Eastern Standard Time XXXX that I hereby have no claims or disputes with the account and the way its been reported by XXXX XXXX XXXX XX/XX/XXXX..I have had no issues with the information being reported correctly on my XXXX XXXX and XX/XX/XXXX Credit File XXXX Only Experian XXXX They are in violation of the FCRA Subsection 623a which specifies that Experian has a DUTY to CORRECT and UPDATE INFORMATION., And that a furnisher that regularly furnishes information is also required to notify the Credit Reporting Agency if it has determined that previously furnished information is not complete or accurate and to correct that information., To this date Experian alone has failed to update my Payment Status to, Paid As Agreed. I have no disputes and or claims of erroneous reporting by XXXX XXXX as I will provide them a copy of this complaint which is strictly and specifically directed at Experian Solely.
Consumer complaint received 2017-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I have a  DLPLUS  loan being serviced by FEDLoan Servicing. Account  XXXX .  <P/> I had been making payments every month until  XX/XX/XXXX .  XX/XX/XXXX should have been should have been my last payment based on billing statements received at that time. Since then I have received no billing statements until following :  XX/XX/XXXX  - Paid In Full Notification  XX/XX/XXXX  - Disclosure of Loan Repayment Terms  XX/XX/XXXX  - Month ly Bill (  statement I owed {$20000.00} plus {$1.00} interest On  XX/XX/XXXX , my son made a payment of {$200.00} from his checking account to pay his student loan ( different account ). In  XXXX  his account stated he now owed two payments. Invested cause and reason was  XXXX  used the billing payee with my account  XXXX  instead of his account  XXXX .  <P/> When we called about the  XXXX  payment we learned that it was applied to wrong account. This first call in  XXXX  we were told. It would be refunded to my son 's bank account because that was the source of the payment.  <P/> The second call was made because it had not yet been returned to his checking account and we were told that refund will take  60-90  days to process. We said why ca n't the money simply be reversed and reapplied to the correct account and we were told it can not happen that way.  <P/> We never yet saw {$200.00} come into his checking account.   I received on  XX/XX/XXXX  {$190.00} refund. I called again and asked why  1 )  I got this check and  2 )  why was n't it for the {$200.00}.  <P/> Response from  FedLoan Sevicing : Th at my account had a balance of less than {$25.00} owed and it is their practice to keep the amount owed if issue a refund. That explained why {$5.00} was reduced. I accepted that fact and gave my son the {$190.00} for his student loan payment. It seemed very irregular and opposite of what I was told, but for {$5.00} why argue more about it.  <P/> I asked why was I never sent billing statement for the {$5.00} balanced owed? I was told because my remaining balance was less than {$25.00} they do not issue monthly billing statements and they basically had written the loan off ( evident as closed in my credit report I had received before any of this started ) and I got my paid in full statement.  <P/> Very surprised to see that ten days later I get a notice saying I owed {$200.00} principal and interested.  <P/> Explanation received : FedLoan Servicing actually did reverse and reapply the loan payment on  XX/XX/XXXX . FedLoan Servicing issued me a refund for {$190.00}  (  less the {$5.00} remaining in balance on XX/XX/XXXX . And FedLoan Servicing then realized they made two different transaction trying to correct this issue which moved my originally paid in full account to be owing {$200.00} P & I.
Consumer complaint received 2020-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (FL)

FRANKLIN COLLECTION SV is trying to collect a debt that was the result of Identity Theft. I've sent a letter to them and have yet to hear back from them concerning this debt that is not mine. I am asking for your help to resolve this matter so that I can continue with my credit not being effected by this information.
Consumer complaint received 2017-06-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (OH)

Navient started harassing me about loan repayment within two months of losing my employment, demanding unreasonable repayment options. My father had been a co-signer on one loan and they harassed him so much that he ended up paying an offer of a third of the loan which overextended him and was extremely financially damaging to him. I had tried to explain to my dad that the loans were my responsibility and I would continue repayment when I was employed again, but the harassment was so intimidating to him that he gave in to their demands. Currently, Navient has tried to sue me twice even though I remain minimally employed ( 10 hrs a week XXXX ) and am having to start a new career track. Their suits were rejected by the courts without prejudice and they continue to offer me impossible partial payment plans, which I do not have the means to pay. I believe they acted unethically to my father, not allowing me the time to stabilize my own finances and harassed him into making a bad, unnecessary financial decision that was not truly his obligation. It has permanently damaged our relationship and compromised my parents retirement plans. We are not wealthy people in the first place, and as a former XXXX, I had believed that education is the road to overcoming the poverty cycle, but it is turning out to be just the opposite. Please help me to make Navient stop pursuing legal action against me, and I would like help having the payment my father made returned to him and place that future obligation back to me to resolve it in a more realistic fashion when I am able to do so. Can you help me?
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I am a victim of ID Theft and I have been trying to improve my credit file. In my file I have collections with Navient, when I asked for all of my loans to be placed in consolidation. Now I have all collections until a company opens up the collections. I also have accounts from XX/XX/XXXX and XX/XX/XXXX negative items, how long does it take for them to be removed? I have had an several inquiries that I have questioned with Navient.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

On  XXXX / XXXX /   2017  I received m y Citi car ds statement which included a late payment penalty.   I am very careful about paying my cards and pay them early and in full every month. I remembered paying this account and I have had this account for many years.  I called Citi cards  and told them they have a problem as I paid that account. They gave me a hard time, so I cancelled the card. I then paid the account in full and called to redeem my cash rewards. On  XXXX / XXXX / 2017  I received a statement fro m Citi  cards for a recurring charge made on  XXXX / XXXX / 2017 . I called  Citi  and told them I had cancelled the card on  XXXX / XXXX / 2017  and they issued a conditional credit. On  XXXX / XXXX / 2017  I received an email fro m Citi sta ting that I had a new message in the message center. I checked the message center and found no new message. I continued to check the message center for several days and found no new messages. I then received a letter fro m Citi sta ting that they had reversed the credit. I checked the message center again and now found the message had been posted. That tells me that they ha ve an IT problem. I called Citi and asked why I was responsible for a charge made on a card I had cancelled. They told me if I did not pay, it would ruin my credit. On top of all that, I had returned the product. USPS  tracking  XXXX
Consumer complaint received 2017-06-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

I have Navient loans that started out at {$12000.00} and are now close to {$18000.00}. Navient had set me up for forbearances but when those were no longer available they put me on a reasonable income-based payback plan. That worked until the payments doubled which put me back into the same situation where I started. This has gone on since Navient took over these loans. By the way, these loans are from   XXXX   when I went to the   XXXX   XXXX   XXXX   XXXX . They have probably been paid off many times over!  <P/> I have been trying to work with them but the situation has become unbearable. They call me constantly and harass me and now they are calling family members. This last time that they contacted me was the final straw. They assume things about me that are n't factual. I 've never been demeaned and harassed like this! They give no viable solutions and show total disrespect.  <P/> I 've been working as a  XXXX  for the past 9 years. I 'm divorced, have a  XXXX  y ear old d aughter and have downsized to a small co-op so that I can pay my bills. I was diagnosed with  XXXX   XXXX    XXXX     XXXX   XXXX  which has again changed my luck. Those bills have become my newest battle with finances. This final call on Friday showed me that I would never get help from Navient. They assumed I owned a {$30000.00} car and kept throwing that in my face ( even though I tried to tell them that I have a  XXXX   XXXX  that was the only thing I could afford with the lean that was on my other vehicle ). They told me I should charge my daughter rent and that I ate way too much! Right after this confrontation they started calling family members. How are they getting these phone numbers? It 's humiliating.  <P/> With my  XXXX  diagnosis and treatment plan, it is important that I cut out as much stress as possible. My first call this morning woke me up and of course it was Navient. I ca n't do more than I already am. I 've taken on a couple cohorts this summer to supplement my salary but that will only be a temporary band-aid. I 'm at a total loss.  <P/> Please help me with this situation. I appreciate anything you can do to help.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

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 U.S.C 1681. 

XXXX  XXXX XXXX XXXX -Account # XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 Section 602A : That I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 : it also states, a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reporting containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes, which antedates.

The reporting 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 2017-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

In XXXX 2016 letters containing checks I had mailed to pay bills were stolen. ( Never use a mailbox outside the post office. ) One such check was " washed '' - everything I had written on the check, except my signature, was deleted, and replaced with new information - different payee, different amount, etc., in handwriting completely different from my signature. My bank, US Bank, cashed the check, notwithstanding that : ( 1 ) the ( fraudulent ) endorsement, and all the substituted information ( payee, amount, etc. ) were in handwriting completely different from my signature, and ( 2 ) even more troubling, the back of the check was blank ( except for the fraudulent signature ), i.e., no stamp or any other indication of which institution had accepted the check in the first place. When I asked someone in the US Bank fraud department how they could have negotiated such an obviously fraudulent check, she replied, " Oh, we ca n't look at every check. '' When I wrote US Bank 's CEO, XXXX XXXX, to express my concern about this, which is clearly not merely negligence, but rather willful misconduct, one of  his subordinates replied, confirming that " we 're unable to manually inspect individual checks .... '' To me this is incomprehensible - surely one of the most important if not the most important function of a bank is to take all reasonable steps to verify that checks presented are at least not patently, obviously fraudulent, as this check certainly was. As indicated above, this constituted willful misconduct. 

But that 's not all. What followed has been months, now almost one year, of extensive disruption and an incredible loss of time just trying to put my account in order. I will not detail here all the difficulties I encountered in this regard ( which would have been even worse but for the helpful efforts of a couple of very diligent employees in my branch ), except to note US Bank added insult to injury, or perhaps injury to injury, by adding new charges to the new account I was compelled to open. At this time, a good 10 months down the road, they have refused to eliminate those new charges. In short, I am being penalized for the bank 's willful misconduct!
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (HI)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014, XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.