davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I enrolled in XXXX College from XXXX XXXX-XXXX. Once I graduated I recieved my XXXX Degree in XXXX. I decided to go back to XXXX College of Rhode Island to work on my XXXX degree. I was finishing my third class when the college informed me my degree was not acceptable towards the XXXX program. I questioned WHY?? and was told XXXX is not an accredited college. I dropped out of school and felt dissapointed and confused. I was discouraged to continue my education due to the financial hardships. My federal loan had been deferred several times during this time. 
I paid my private loan in full and began making payments towards my federal student loans. I was consistenly making good and on time payments. In XXXX I was having financial difficulties in making payments. Navient suggested I go in to forbearance. They did not attempt to inquire if I could make small monthly payments. 
In XXXX I contacted Navient several times in regards to making payments. I offered Navient between $ 50- {$70.00} a month because during that time it was all I could afford. They stated the minimum was {$140.00} and that was the best they could do. I contunied back and forth for months and was finally able to negotiate {$70.00} a month. The bill came in and it was {$150.00} " DUE IMMEDIATELY ''. I could not get them to work with me as I tried over and over. More recently I began conducting my own research and I'll admit due to my own negligence did not realize that my original loan of {$12000.00} somehow doubled to {$24.00}. I understand navient took over for Sallie Mae and somehow aquired my loans. I'm still confused as too how much interest and how it was calculated. I need someone to help assist. I am presently reaching out to the Dept of Education and have  filed an application for a borrower defense to loan repayment. I would like some understanding into how and why this happened.
Consumer complaint received 2022-08-17
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. (TX)

accordance with the fair credit reporting act XXXX Account # 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 2020-02-14
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

My loan contract matured on XX/XX/XXXX. The loan payment was set up on auto pay with Capital One Auto Finance to debt out the payment on the third of every month. Unfortunately the last payment was not debted from the account, according to Capital One they told me that they could not debt any more payments from my account because the contract had ended even thou I called them two weeks prior to XX/XX/XXXX authorizing them to debt the last payment on XX/XX/XXXX. I then received a letter a couple of weeks later indicating that I owed them {$4100.00} I was livid. After paying six years on a vehicle ( 72 ) payments curing the contract, I still owe?? This is ludicrous!

I called Capital One and was told that the two payments that was deferred to the end of the loan accrued that amount of interest. According to the contract any changes in interest to the contract had to be in writing only with my authorization. At the time of deferment of the two payments the agent asked me if I agree to the deferment of the payment not including anything additional. As of today ( XX/XX/XXXX ) Capital One has placed my vehicle on the Repossession list. Even though I have made 3 additional payments of {$550.00} trying to stop them from taking my vehicle. My husband is XXXX and this is the only means of transportation that we have. PLEASE HELP ME resolve this issue.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

PRA RECEIVEABLES MANAGEMENT, LLC FAILED TO REPORT A DISPUTED DEBT TO THE CREDIT BUREAUS INCLUDING PAYMENT HISTORY FROM ORIGINATION THAT ARE CURRENT. UNDER FDCPA SECTION 807 ( 8 ) THIS IS A VIOLATION.
Consumer complaint received 2018-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

What happened? 

I used PayPal to send {$6000.00} to a company called XXXX in the XXXX XXXX for tuition purposes, then found out that the company is a scam and operates fraudulent accounts. I filed a claim with PayPal and they are not making any effort in getting this resolved. Below is the complaint I sent PayPal about XXXX who I sent my money to : Complaint about XXXX  I sent money to open a XXXX XXXX XXXX/package and was assigned a fraudulent Account Manager, XXXX XXXX who tampered with my account and misrepresented the balance in my account. A Complaint was made to XXXX XXXX and XXXX XXXX CEO of XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.I still have not gotten a response concerning this fraudulent transaction. I was assigned an Account Manager who embezzled money from my account. This is part of payments totaling {$6000.00} to XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. for tuition and training that turned out to be bogus, and was assigned an Account Manager XXXX XXXX who embezzled money from my account. When I found out what was going on I sent an email and he replied there was an " MTS malfunction '' I have no idea what that means. I would like a full refund of all the monies paid to XXXX. I do not trust this company. I used PayPal as a vehicle to send my money to XXXX. PayPal seems to be doing business with fraudulent companies and is turning a blind eye when customers complain about the fraudulent transactions. XXXX is a fraudulent company and also operates under the names/ is affiliated with XXXX and XXXX. Please let consumers know about this company 's notorious reputation for scamming innocent people out of their hard earned cash.
Consumer complaint received 2018-07-06
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: Midwest Recovery Systems (MS)

XX/XX/XXXX Midwest Recovery Systems contacted me saying I owed a bad debt of {$770.00}. This is not my account and I have never used XXXX XXXX XXXX from which this original debt is reported. Midwest Recovery contacted me on XX/XX/XXXX to collect a debt from XXXX XXXXXXXX XXXX with the date of XX/XX/XXXX for the last activity on the account. I have contacted XXXX XXXX XXXX on XX/XX/XXXX to find out what account number and name they have associated with this account. They reported that they did not keep records of accounts after it goes to a third party collection agency. The fact that this was not ever reported on my credit report until XX/XX/XXXX and the fact that neither Midwest Recovery nor XXXX XXXXXXXX XXXX can give me an account number or an original loan amount seems very suspicious. With no information sent to me to collect a debt, Midwest Recovery placed this bad debt on my credit report. I have also looked at my entire bank records during the time mentioned and have found no payments to XXXX XXXXXXXX XXXX. I have read other reviews on this same Midwest Recovery Systems company and they all have similar stories. At the same time, I am trying to get a mortgage and this has negatively affected my credit score. The company hopes you will just pay the debt and forget about it. This is a scam and more severe action must be done to punish this company for their illegal practice.
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (VA)

This NEW COMPLAINT is a supplement to CFPB COMPLAINT # XXXX. Now with prior unavailable documents. 

On XXXX XXXX, a firm I want to work for sent me a check covering my Trvl Exps {$2000.00} + salary of {$2800.00} + meal exps. {$450.00} = {$4800.00}. [ Check exh. ]. I received the check by USPS Priority Mail. Once I got the check, I deposited it by my cell to my SunTrust account. 

I was told that I can get the funds in the next business day. NOTE : ( FOR 3 MONTHS I was wanting to get the legal job. ) SunTrust Bank Mgr. was told. He denied my with-drawal, delaying my job for a full month, now XXXX XXXX to XXXX XXXX On XXXX XXXX, SunTrust illegally faked by fabricating some Claim of Fraud. 
NOT telling me ANYTHING ABOUT it. 
On XXXX XXXX, I got from ST my final acct. statement [ statement exh. ] After I filed a consumer complaint against ST, I received a letter from ST, [ XXXX XXXX XXXX ] refusing to release, pay me my balance in my acct. ST. verified funds had cleared, {$4800.00}. 
XXXX XXXX bank statement ]. In that state-ment, [ circled in red ], SunTrust [ took out {$400.00} ], leaving my final acct bal., [ circled in red ], the XXXX XXXX is refusing to send to me. 

XXXXn ST 's XXXX XXXX letter, [ highlighted in yellow, boxed in red ] that I have to get from XXXX XXXX XXXX a certified letter proving to ST ( 1 ). I am [ 2 forms of ID given to my local XXXX Branch mgr. ] and ( 2 ). That I [ name on check ], was the real person the check is payable to. 

On XXXX XXXX, I called XXXX XXXX XXXX XXXX Regional Ofc, XXXX XXXX [ phone no. top ST XXXX, XXXX ] and spoke to C/S rep., who told me after I explained to her what criminal activities ST was wanting XXXX to do XXXX [ Ref. ST XXXX XXXX XXXX. ] The C/S told me that her office will not do what ST wants after she received by email, the copies of what ST sent me that CCB has verified that the funds are intended to -- for me based on the correct routing number, account number, and pay to the order with my name spelled correctly. [ Ref to Check ] and Bank cert on the check. 

Therefore, I am demanding XXXX XXXX be prosecuted fir its same ongoing criminal acts as XXXX is holding {$9000.00} of my money after 2 years, refusing to pay me it ; and XXXX XXXX  XXXX  is illegally holding my {$9900.00} from 1 year ago, each FTC, CFPB, FDIC, and FBI are not prosecuting on 10,000+ other victims of those banks. 

Thus, I want my money to be ordered to be sent to me ASAP. 

Finally, under the Fed. Cr. Code 18 U S.C. Secs. 2312, 2112, National Stolen Property Act, SunTrust Bank, XXXX, and XXXX XXXX  must be held liable under that criminal code.
Consumer complaint received 2021-08-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

i am the co signer on the car i have been trying to get in contact with owner ..can not find her she changed number and addressed. spoke to car loan people they won't work with me .credit acceptance said that i would have to speak to other owner. i asked if i can do a separated payment where i can get this car off my name i was told no they need full payments ... i still don't have a driver license.. this is bring down my credit daily. i don't see how we even got the car loan with our income
Consumer complaint received 2019-08-04
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. (OK)

XX/XX/XXXX a rental company did a credit check and sent me a copy via email. There were item ( s ) on that report that was 18 years old! From XX/XX/XXXX. I also saw items from over 7 years old. I logged on to websites Equifax and XXXX. I disputed incorrect personal information, but there was no option to have old information removed.
Consumer complaint received 2019-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MD)

Ditech, has changed the maturity date of my mortgage to XX/XX/XXXX which is a 52 year mortgage. I, XXXX XXXX in XX/XX/XXXX signed a 30 year mortgage so Ditech illegally changed the maturity date without my consent. As a result, incorrect payment amounts have been applied my principal balance each month.
Consumer complaint received 2023-06-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

this message is for bank of america and XXXX and XXXX. XXXX and XXXX is the lawfirm for bank of america debt collection. i fell behind on my bank of america credit card payments so they had XXXX and XXXX take the payments instead. XXXX and XXXX declined to take debit card payments and insisted they do it from my XXXX XXXX XXXX XXXX checking account using the checking account and routing number. so i agreed. i recently tried to do a stop payment because i did not have the XXXX dollars they were going to be pulling out for XX/XX/XXXX XXXX i called my bank, XXXX XXXX XXXX XXXX XXXX do a stop payment. they informed me that they couldnt because XXXX and XXXX, being deceptive, was doing ach debit payments and converting them to checks making it impossible for my bank to do stop payments. i did not know this until a XXXX XXXX XXXX XXXX representative informed me of this. she said that is kind of deceptive. so she advised that i get a new checking account which i am doing now.
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I was looking for a new renowned international bank with a presence in the US, since I travel a lot. I came across an offer from HSBC US for a Choice Checking account, which included a welcome offer of {$200.00} when activity was met. The nearest branch is about 15-20 minutes from my house so I decided to apply online. I can't describe how frustrating it has become dealing with this bank. After about 30-40 questions and a 30 minute application process, it states all applications need to be verified and somebody would contact me back in 48 hours. The days went by and I called, I was connected to an overseas call center and they explained me I had to wait some more. I asked to speak with a supervisor and I was told they have no supervisors. I waited some more and called again, I was told I need to contact each Credit Bureau and submit a copy of my credit report in writing to them. What the heck? Never in my life have I been asked to submit a credit report. They can do that themselves. Why in the world are we as a country allowing this bank to operate in our country? By the way, at the end of the last call, the person called XXXX told me : " I need you to hang up now sir, we're done here ''. 

Reference Number : XXXX
Consumer complaint received 2023-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (FL)

We have recently received a letter from Rocket Mortgage saying that we are required to get wind coverage and that if we do no acquire it fast enough they will get their own and charge us for it. This would make it considerably more expensive. During closing for our home with Rocket Mortgage we confirmed with them twice thru email that wind coverage would not be required. I have spoken with them on the phone ( The process on its own is horrible just trying to talk to a human ), just to have them tell me I must get the wind coverage now or they will get it and it will be even more expensive. They are great when you are getting the mortgage and buying the house but once you are locked in they are horrible to work with. They are a predatory company and it should be addressed.
Consumer complaint received 2023-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Consumer Financial Protection Bureau Complaint # XXXX XXXX XXXX We thank XXXX XXXX for his comments and please find our response below. 
NOTE : XXXX XXXX also filed another complaint at the same time ; # XXXX. 
XXXX XXXX entered into a Simple Interest Note And Security Agreement on XX/XX/XXXX, and he pledged his XXXX XXXX XXXX as collateral. He also executed a credit application which gave us valid a permissible purpose to review this credit file. 
XXXX XXXX account become delinquent, and the account was assigned for repossession on XX/XX/XXXX, however, we have been unable to locate and recover the collateral. 
The balance remaining on the account is {$6200.00}. We ask that he pay this amount immediately or surrender the collateral. 

15 usc 1681 b 2 who gave permission to share my information? permissible purpose title 18 identity theft any Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

can not use my information without my permission or its identity theft its the LAW I refuse to pay this debt or any other debt that you have in or associated with my name. So PLEASE STOP CALLING ME, OR SENDING ME LETTERS!

Once again! I am informing you to cease all contact with me or anyone else about this claimed debt.

Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me. 
Sincerely XXXX XXXX
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX is still reporting my account XXXX as opened, even though it's fully been closed according to the company. This must be corrected by the credit bureau to correctly reflect that it is closed
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2020-02-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Assoc on my credit report is misrepresented : ( 1 ) states that the debt was new as of XX/XX/XXXX and that it came from XXXX : this debt results from a XXXX, XXXX purchase on credit of a XXXX laptop computer, financed with XXXX XXXX. Was not paid in full to XXXX because of a dispute with XXXX over a incorrect balance including hundreds of dollars of late fees and interest. I have all of the statements from XXXX back to the purchase in XX/XX/XXXX. I have communicated with Portfolio and several credit companies before them but they do not seem to understand the problem and of course have misrepresented this debt. I have also disputed with a Credit Company to no avail.
Consumer complaint received 2024-02-14
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: Experian Information Solutions Inc. (MI)

Experian continues to report inaccurate information onto my consumer report. My name is XXXX XXXX XXXX that should be the only name on my consumer report all the other names should be deleted immediately because they are not mine and I have stated this on several occasions and you have been provided identity documents. My address is XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, Michigan XXXX any other address is incorrect and should be deleted immediately. Delete all those phone numbers they are not mine. Experian continues to violate me everyday although I have called and submitted disputes they still continue to report inaccurate information this is a violation of FCRA. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MI XXXX
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

THE COMPANY, MIDLAND CREDIT MANAGEMENT XXXX INC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. XXXX5 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.