davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IPAC'S Inc. (MS)

Today I got a bill for {$240.00} from Advanced Recovery as of todays date I have never been aware that I owed this bill for my insurance is to pay this bill this is what the state of ms calls surprise billing after they have taken money from the insurance company that is suppose to pay off the debt they seek more which is illegal in the state of ms and is called surprise billing making the consumer a victim of collection when the billing is illegal to get money after being paid and being in the approved network
Consumer complaint received 2024-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NJ)

This company is trying to come after me for a debt that is not mine. I am a victim of identity theft and multiple data breaches. I have ask this company multiple times to send me proof of debt, contract signed with wet signature, license for them to collect in my state and also to prove this debt.
Consumer complaint received 2024-02-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (AL)

I was in a very desperate position, financially, and found maxlend online. I went through the application process and was approved for a loan. I received a call from a live agent, and her and I went over how much I wanted to borrow. Originally it was {$500.00} until she told me how much Id be paying each payment so I asked what the minimum was, which was {$400.00}. I was told that it would be either 9 payments of {$100.00} or 18 payments of {$53.00}. As anyone would, I assumed the 18 payments would be every two weeks when I get paid or the 9 payments would be monthly, as the loan term is for 9 months. I even asked what the interest rate was in which she couldnt tell me for whatever reason. Likely bc its 650 % and she knows I wouldve hung the phone up right then. Lastly I call them furious, get nowhere and decide Ill look at the agreement and to my amazement the 18 payments are not for {$53.00} ( that was just the first payment ) the 18 payments are 18 payments of {$100.00}! Nobody with a functioning brain would agree to pay {$2000.00} back on a {$400.00} loan. I most certainly would not have. Very deceptive and extremely predatory!
Consumer complaint received 2024-04-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: NAVY FEDERAL CREDIT UNION (GA)

I am filing this formal complaint against navy Federal Credit Union. My complaint pertains to their handling of my vehicle financing, which has raised some grave concerns pertaining to securities fraud and tax evasion. Under the securities exchange act from studying the contract and the law governing my protection. My contract was signed at the dealership XXXX XXXX in XXXX, XXXX That promissory note and certificate of indebtedness was securitized by Navy Federal where they also received a cussip number and engaged in trading activates. According to research, Navy Federal operates under a 501C3, which is a non-for-profit banking, yet is charging me for late fees and overdrafts fees. the NCUA my overdraft fees are insured and should not be charged, showing negative on my account. 
I sent a package out to the head of the legal department XXXX XXXX requesting documentary evidence on this matter. the package also included a request for a free and clear title, revoking ( 16CFR 433.1.2.3 ) request them to STOP collecting interests on my contract being sold, and all payments returned to me as I am the Invester and not the creditor nor the finance company ( which the contract is legally between ). Navy Federal is operating as XXXX XXXX XXXX ( trustee company ) which according to XXXX and XXXX XXXX can't be so. 
Besides the fraud that has happened, my promissory note was never signed, and the number are wrong on the contract from the dealership and the number on the promissory note. I had a verified trade in, and the amount shown on my car doesn't show that the car before was FULLY paid off before the agreement was made on the new purchase. I never received the overage from my trade in either.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Diversified Acceptance Corporation (IL)

I paid you over {$340.00} on her {$500.00} loan you put me a collection I paid them an additional {$250.00} it should have not been on my record it should have been removed of my report but you still got me as a charge off and I still owe money that's affecting my credit as well as Sprint they doing the same thing the account was paid {$310.00} they kept it on the credit report and charged off never reported that I paid that money
Consumer complaint received 2024-04-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (CA)

Hello, I'm California resident and a customer of Mobiloans since XX/XX/2023 when I took a loan due to XXXX hardship. The loan amount was {$1500.00}. What I didn't realize at the time was the extremely high charges that would come with that loan. 

After realizing it and reviewing the account statements, I saw that the immediately started billing me {$140.00} for " Fixed Finance Charges '' every XXXX weeks. For someone with financial issues and not even having {$1500.00}, I thought it would be almost impossible to get over something like this. I even thought it was strange for something like this to be legal since it reminded me of loan sharks. 

So, I went online and found an alert posted for Mobiloans ( XXXX XXXX XXXX Louisiana ) XXXX the in the California Department XXXX XXXX XXXX and XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX  ~ : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX, ( XXXX ) XXXX XXXX XXXX XXXX Per the above alert link " XXXX XXXX of Louisiana is not licensed to conduct business in the state of California XXXX It also directed complaints to the Federal Trade Commission ( https : XXXX # / ) and the XXXX Consumer Financial Protection Bureau XXXX CFPB XXXX : XXXX XXXX ). 

Thank you.
Consumer complaint received 2016-11-08
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am apply for a refinance, from XXXX but nationstar is not giving them the right infromations nationstar shows that I have two modifications and I only had one modification XX/XX/XXXX to XX/XX/XXXX this is the second time nationstar has cause problems when I have apply for a refinance
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (MS)

I am very upset that XXXX is blocking my consumer report resulting in denials of credit and to open a checking account. I have a right to my open-ended credit plan and a right to my credit scores and reports. I am seeking litigation against these adverse actions with XXXX and Pen Fed retaliation and abusive practices. 

Pen Fed blames XXXX for this adverse action, but I did not consent for Pen Fed to pull my consumer credit report. Regardless of this, this is a consumer credit transaction, I have a right to my credit. I provided Pen Fed with a security/ credit card number i.e. social security number upon the open of this account. Per 15 USC 1602 ( l ) I retain all rights to my credit. The Equal Credit Opportunity Act ( ECOA ) is a federal law that protects consumers from discrimination in credit transactions based on this factor. 

See attachment.
Consumer complaint received 2024-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

My federal student loans were recently placed in an unrequested administrative forbearance due to changes to the SAVE IDR plan. On XX/XX/year>, I received an email from MOHELA that stated " [ y ] ou will receive credit toward IDR forgiveness and Public Service Loan Forgiveness ( PSLF ) for the month ( XXXX ) covered by the forbearance, assuming all other requirements are met. '' Today an article published by the XXXX XXXX XXXXXXXX stated " [ i ] nterest will not accrue during this period, but the months in forbearance will not count as qualifying payments toward loan cancellation through SAVE or the Public Service Loan Forgiveness program. '' I would like written clarification on which statement is accurate and if months in administrative forbearance count towards PSLF, I would like confirmation which months could count towards forbearance ( assuming submission of an updated employer certification form ). If the months of the upcoming forbearance will not count towards PSLF, I would like to know what my options might be for me to pay my loans during this period and for the administrative forbearance to be removed ( although I do not want MOHELA to remove the forbearance without first explaining my options and allowing me to choose what is best for me ). I feel that the forbearance is largely unnecessary for me and will be detrimental because I might be losing PSLF months for an indiscriminate amount of time, and as nearly 100 % of my student loans were graduate loans, I am not getting the benefit of a heavily reduced monthly payment rate out of this forbearance. If this administrative forbearance will not count towards PSLF, I believe I am being negatively impacted.
Consumer complaint received 2023-07-23
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Start Connecting dba USA Student Debt Relief (PR)

On XX/XX/XXXX USA Student Debt Relief contacted me via phone call. They said I qualified for a payment plan that was going to relief me of paying XXXX. They said that to be enrolled in the program i needed to pay 4 payments of {$390.00} and {$72.00} each month for 210 months. They had all my info already when they called, my ssn, student loan amount, address, full name, everything.
Consumer complaint received 2024-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CT)

Mohela has been horrid from the start. If you call their number it is 4.3 minutes before you're given the option to speak to a person via their unskippable call menus. When you get there, there's consistently a 90+ min wait to speak to a person. They do not respond via online messages. This is the only option and their " please call me back '' option doesn't give time frames that allow for calls after work hours. They also are unavailable on the weekends. This makes them effectively impossible to communicate with. I have taken 4 days off work to try to fix this issue. It is unresolved. 

In XX/XX/2023 after denying my application for the SAVE plan twice, they put me in administrative forbearance so they could review the 3rd application. This forbearance lasted until XX/XX/XXXX after which I would receive my first bill on the SAVE plan. On XX/XX/XXXX they sent me a bill for {$800.00} which was due on XX/XX/XXXX. I called several times to tell them that i dont have that money as they had told me I was in administrative forbearance until the XXXX and wouldn't owe a payment until 1 month after coming off that forbearance. I spoke to someone after more than 2 hours waiting on the phone. They agreed there had been an error but said they had no way of correcting it unless I was willing to request personal or hardship forbearance ( of which there is a limited and unreplenishable amount ) to take the payment away. I refused, saying this was there problem and I wouldn't use my own resources to fix it. They said they'd " see what they can do '' to fix it. I called back 15 days later and they had no record of me calling before and went through the same conversation again. They refused to let me speak to a supervisor during this call. 

The next month I paid my first payment and they stated I was delinquent {$800.00} and assessed a fee. I told them I had called and that this was their error, and they said I was correct and they would fix the problem- the woman on the phone was very kind. The next month the same issue occurred and no changes had been made on the account. I called again and took the day off work to resolve this. I waited 3 hours for a call back and was told that " you have to wait for changes to take effect ''. The next month, XXXX, i made my regular payment and they AGAIN assessed a fee and said I was now 90 days delinquent for {$800.00}. I flipped out on them, yelled at them, threatened legal action and refused to make further payments until they fixed the problem. In XXXX they had not fixed the problem. I have made my regular payment again. I am considering killing myself because this is too much. I can not manage this.
Consumer complaint received 2024-04-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (VT)

1. I called XXXX on XXXX, XX/XX/XXXX, regarding the return of my funds from a recently matured XXXX CD. I spoke with XXXX XXXX presumed spelling of XXXX ) indicating my desire to not renew and to return my funds plus interest to me via ACH. 

She administered what sounded like an XXXX  credit report XXXX  XXXX. This is unique. I have had many CDs mature in the past several months. This is the first bank to ask such questions. She prefaced by stating, " I can not repeat questions, '' On the final question, she interrupted with a personal comment about the sound quality. I asked about the question she just asked, about my age and five-something. She stated she could not repeat it. I exclaimed, " I am XXXX! You are on a speaker. If there were sound issues, it should have been mentioned before asking me questions! '' She then repeated the question and stated she had just emailed XXXX and to check my portal, making it sound imminent. I XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX There was no ACH. 

XXXX. I XXXX XXXX Webster Bank by logging into my CD on XX/XX/XXXX and XXXX. 

XXXX. I called for my final time on XX/XX/XXXX. It was not only after the deadline I had set by XXXX  of XXXX, and they moved to " end of day, '' ( XXXX ) but also referenced one of the messages I am quoting : me : ACCEPT -- - Original Message -- - From : Webster Bank, XXXX. 
Subject : XXXX ACH Transfer Request Received : XX/XX/XXXX Hello XXXX XXXX We are sending you this email as you requested an ACH transfer from your XXXX  account. 

Please review the information below for accuracy. 

Date- XX/XX/XXXX Account Name- XXXX XXXX  Debiting Account Number- XXXX Amount- {$520.00} plus any additional interest per diem Receiving Bank XXXX XXXX bank Routing Number to Credit- XXXX Account Number to Credit- XXXX Receiving Account Name- XXXX XXXX  Account Type- Checking By replying ACCEPT to this email, I authorize Webster Bank to initiate a one-time electronic debit from my Webster Bank account and credit the account listed above. I acknowledge the origination of electronic transactions to my account must comply with the provisions of XXXX law. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, for " end of day '' but before the call center closed at XXXX XXXX I called XXXX and was passed to XXXX in XXXX XXXX XXXX He said XXXX important things. 1. " I don't see a case ( to do the ACH ) submitted yet. 2. " 'Accept ' response not acknowledged.. I just did that. '' 3. Set another wobbly-seeming deadline of XXXX XXXX  on the XXXX to set up the ACH in light of his brief comment on the backlog transfers regarding XXXX.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$360000.00}.
Consumer complaint received 2024-06-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK (NH)

I requested Discover Bank to withdraw/close CD account as per terms of the Deposit Account Agreement, but Discover Bank denied my request.

The Deposit Account Agreement of Discover bank ( Effective XX/XX/year> version ) is currently published at their website under " Forms and Documents '' ( https : //www.discover.com/XXXX XXXX. Section XXXX of the Deposit Account Agreement states that " Early Withdrawal Penalties For New CDs : Beginning on the XXXX day after your CD is opened and funded and for the next XXXX calendar days, we will deduct each days simple interest on the Issue Amount withdrawn from the funding date to the date of withdrawal. ".

As per the above terms, I reached out to customer service on phone and via their secure message facility to withdraw/close CD on XXXX day of opening and funding the CD. However, customer service personnel responded to me that CD can be withdrawn only after 60 days as per their " internal policy ''. They verbally agreed to waive any penalties if I call after 60 days, however I insist that they honor Deposit Account Agreement and allow withdrawal/closure immediately.
Consumer complaint received 2022-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

A letter was sent to Midland from me on XX/XX/XXXX requesting a host of information to support the claim of the debt. Midland did not provide me with any information. Instead, I received a summons for court. A letter was sent to the court the same day I sent Midland a letter requesting proof of debt. On XX/XX/XXXX I received the original and a copy of the " Stipulation of Dismissal with regard to the matter of Midland XXXX XXXX XXXX. The plaintiff " Midland '' requested to dismiss the case. I have provided a copy of the court documentation and the letter that was sent to Midlands.

Midland has reopened on my credit reports as recent as XXXX XXXX, XXXX and also stated that I have never disputed their claims of owing the debt. This is absolutely not the truth and is grounds for legal action for inaccurate information being reported, and numerous other things.
Consumer complaint received 2024-07-20
Product: Credit 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: BARCLAYS BANK DELAWARE (AL)

My XXXX, 2024 bank card statement from Barclay 's Bank showed a transaction for {$100.00} paid to XXXX XXXX XXXX XXXX XXXXXXXX XXXX I did not make that charge. I live in Alabama and have my credit card in my possession. I called Barclay 's Bank Fraud Department at XXXX XXXX  on XX/XX/year>. I was told that they would send me a new card immediately and will investigate the transaction that was made. I told the representative that I would not activate the new credit card until they resolved this issue. 
When my XXXX, 2024 bank card statement came, Barclay 's Bank showed that my account was delinquent and they added both late fees and interests to my account. I called on XX/XX/year>, and was told that they were still investigating. I asked why late fees and interests were being applied to my account since the fraudulent transaction was being investigated. The response was that Barclay 's Bank would take off the late and interest fees from my account, but I had to activate the new card that was sent to me. I activated the card, Fees and interest charges were subtracted. However, the {$100.00} transaction that's in dispute, remains on my statement. 
I received a credit report from XXXX XXXX XXXX showing a decrease in my credit score of XXXX points and it also showed my Barclay 's Credit Card as being 30 days delinquent.
Consumer complaint received 2024-04-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (VA)

I was approved for the XXXX and my loans were forgiven effective XX/XX/XXXX. I and MORE than grateful but we were told we would be given refunds for payments made over the required XXXX. I made XXXX. They said I didn't qualify for a refund because I consolidated in XX/XX/XXXX and didn't make any payments after XX/XX/XXXX but that wasn't when my XXXX payment was made. They're using the consolidation dates. I unfortunately defaulted on my loans and ended up paying a ton of money towards my student loans to where I couldn't even afford to live on my own because I had XXXX XXXX XXXX I had to move back home with my parents so I could afford to pay my student loans because they were Being taken out of my paycheck. And most of that went towards interest. I don't see how I don't get anything back after making that many payments. Is there anyway you can have them look through my history to see if they've missed any dates?