davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

I have been in disagreement with loan forgiveness for the last few years. I am trying to get a PSLF and nobody told me that the loan had to be in a certain payment for this to happen. When I exit college in 2002 this was unaware for me. I have been paying on it for 16 years  now thinking I would get the forgiveness and nothing. I just think it is a way for the company to make money without being honest the person. Too me is a crook. I have filled the application out for the past years and denied. I have emailed them and have had NO response.
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (FL)

Received a letter in the mail from XXXX XXXX XXXX XXXX. 
It says I owe {$910.00} It says the creditor is Paypal. 
It gave some long weird acct number This is definitely false. 
The address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number is XXXX
Consumer complaint received 2022-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CO)

On XX/XX/2021 I deposited my apartment keys in the rental slot with a notice of XXXX XXXX. I was unable to fulfill my lease obligations due to my income being insufficient beyond my control with the rent increase, food increase, due to inflation caused by the Covid 19 pandemic. I received a {$6000.00} bill for only lease violations. 
There was absolutely no bill due to XXXX XXXXXXXX actually losing money or damages due to the not staying out the entire lease period. I have reason to believe that apartment was rented the same day at {$2200.00} or more the market rate. My rent was {$1500.00}. XXXX XXXX profited by my loss. XXXX XXXX should be attempting to return my security deposit instead of being unscrupulous.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-15
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 (MD)

I submitted my salary cheque on XX/XX/19 on Tuesday of XXXX- dollars in bank Of America i called them on Thursday why my cheque. is not cleared they. said. for verification purpose. i said ok then on friday called again why my cheque is still on hold they said we don't know I asked them then who knows they said. specialized team and they also cant help you I said who is responsible for all problems I am facing in form of rejecting payments and late fees since tuesday they didnt cleared my payment even other bank cleared payment on XX/XX/2019 even i have statement of other bank I called them again they Were rude with me and said we don't need your way we will do it Our by own way i said where i can file complain give me email i'd so i can send cclearance statement they said they don't have email id or complain center I have family I have to pay bills my phone bill is due insurance I delayed some payments and some were bounced back since the hold one time. payments got rejected putting late fees and overdraft fees still i am seeking help nobody is taking responsibility and delayed payments Bank of America owe my money and not clearing My payment even other bank cleared it i am still wondering and seeking help. but nobody is helping and i am afraid because of non payments my credit will g0 down. and the charges i am facing nobody is taking responsibility now you are hope for me otherwise i have to go ' to court for help.
Consumer complaint received 2022-08-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Albert Corporation (NC)

I have used the XXXX XXXX service 3 times. Well this time they took fees & money but now there saying they cant approve any more XXXX XXXX loans after Ive applied a subscription also. After analyzing the account all info is still the same none of my banking info or employment has changed its all the same. Shows data aggregator can not connect successfully. I contacted customer service twice after the 3rd business day still nothing had changed! Same error code. Ppl use these cash advances to get through paychecks or for emergencies. I cant understand why someone would not get the issue fixed. I have screenshots of whats showing.
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (OH)

1. 
On XX/XX/XXXX I made an international debit Purchase -visa XX/XX/XXXX card ending XXXX XXXX XXXX XXXX with XXXX for {$570.00} via US Bank XXXX 
US bank charged me International Processing Fee XX/XX/XXXX card XXXX on {$17.00}. 

2. 
On XX/XX/XXXX I change up my mind and canceled the purchase for {$570.00} and requested a refund. 

3. 
On XX/XX/XXXX The requested refund appeared on my US Bank account as {$570.00}. 

4. 
On XX/XX/XXXX I asked the bank online and in-person with the Branch manager in the US Bank branch at XXXX XXXX XXXX, XXXX, OH XXXX to reimburse me the International Processing Fee that I made through the US Bank debit card on XX/XX/XXXX for my online purchase of {$17.00} claiming that XXXX is responsible for fees and that is not the policy of the bank. 

I am submitting evidence to support the claims. 
1.picture 10 ( 2 ) : purchase and international fee charge 2.picture 10 ( 3 ) : refund, but no reimbursement for international fee charge
Consumer complaint received 2018-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (GA)

My parents both passed away this year, my Dad just back in XX/XX/XXXX. Trying to do the right thing, I had American Express close their credit card and send it to XXXX XXXX, so that no further interest or penalties would accrue while we waited for the estate to go through Probate Court and were able to pay the {$390.00} owed. I did not realize I was signing up to be relentlessly harassed by vultures.

I spoke with one of XXXX XXXX agents, and let them know the situation and that we would pay as soon as we could, although we are not even legally obligated to. But my Dad raised us better than that. Since that point, I've received four letters and two more phone calls, in the evening, inconveniently at my toddlers bedtime no less, all in less than a month. The XXXX XXXX agents are SO PUSHY and really insensitive to the fact that we are grieving family members with so many other other more important things we're already dealing with in regards to the deaths of our parents. It's disgusting what they are doing, they need to be shut down. Luckily I have a backbone and I know my legal rights in this situation, but think of how many sad, scared little old widows these vultures pretty upon. It's beyond unacceptable.
Consumer complaint received 2022-02-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I mailed a Debt Validation ( 609 Letters ) dated XX/XX/2022 for verification of accounts listed under my name. This inaccurate information is giving a negative impact on my credit report. I also sent another letter for the method of validation. I have the right, Under FCRA that unverifiable accounts must be removed and it's been more than 30 days, I haven't received any response.
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

My name is XXXX XXXX, I opened an account with Navy Federal Credit Union in XXXX. I had a personal as well as a business account. I have been making deposits as well as withdrawals in the account since it has been open. Fast forward to XX/XX/XXXX. I was on vacation in XXXX and I was notified that my BUSINESS account was restricted and I wont be able to get the XXXX that's in it until I pay XXXX of personal debt that I " owe " Navy Federal. I was stranded in XXXX, my business is going bankrupt and I have a business partner that is not affiliated with navy federal and is requesting the funds. I contacted navy federal about this several. At first they told me to go to the bank with my ID and I will be able to get the funds out of the business account. I went into the bank and I was told that I cant and will never get access to my business account. I spoke with several representitives in the security department, and they all were rude and keep telling me I cant get funds to my business. I am a separate entity from my business and navy federal is holding my business account hostage. I am a veteran that serves in the United States XXXX and I am very disappointed in the treatment that I am receiving. I am in the process if being evicted, car repo and homeless because of this. All I am asking for is to access my funds that I worked hard for. I NEED HELP PLEASE.
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (NJ)

On XX/XX/2018 I sent XXXX XXXX a certified letter as required for membership to be canceled. XXXX  XXXX  claimed that they never received the letter and sent my account loff to collections which have had negative effects on my credit. I filed a XXXX   complaint # XXXX against XXXX XXXX after taking all the appropriate steps to provide them with the necessary documents requested. The complaint was closed because XXXX XXXX never responded. From my previous CFPB complaint, both the collection agency and XXXX XXXX stated that the issued would be cleared once the certified receipt was provided.
Consumer complaint received 2019-09-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eagle Recovery Associates, Inc. (IA)

CALLED MY WORK NUMBER THIS MORNING. I HAD TO VERIFY MY NAME BUT THEY ALSO WANTED ME TO VERIFY MY HOME ADDRESS, WHICH I WOULD NOT, AND SHE SAID THAT'S FINE AND WOULD CALL BACK LATER WHEN I WOULD VERIFY INFORMATION AND HUNG UP. USING THIS NUMBER XXXX
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (NJ)

Hello I am XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

There are several charges on my BOA credit card that was not authorized XX/XX/XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX, CA XXXX I have asked to be credited however nothing happened. Also, I have had this account since XX/XX/XXXX and have never been late. In XX/XX/XXXX I was reported for being 30 days late. I {$25.00} I would never jeopardize my credit over {$25.00}.
Consumer complaint received 2022-02-18
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: Experian Information Solutions Inc. (TX)

Wrong personal information on my credit file. I have followed all protocol to get this matter resolved. Remove the incorrect names off my credit file. I have send in documents to this bureau several times and the incorrect name is still on my credit file. This is fraudulent activity. Misspellings and wrong last name on my profile
Consumer complaint received 2018-08-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC (NV)

This company is not legal in Nevada, I have attempted to notify them numerous times to stop collecting on an invalid loan, however they have not gotten back to me. Today I received an email making me aware that my account was sold to a third party agency. This is an illegal loan they should not have the right to sell my information.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

I had a " XXXX  '' XXXX MasterCard through Synchrony Bank. I had been receiving emails for the past few months stating that since XXXX " XXXX  '' XXXX would be closing, Synchrony would be sending me a Synchrony MasterCard to replace my existing " XXXX '' XXXX MasterCard. The most recent of these was sent on XX/XX/XXXX. I then received a letter in the mail that was dated XX/XX/XXXX that stated they would be closing my account instead of sending the replacement card. I had been using the " XXXX '' XXXX MasterCard and it carried a balance until recently. They were willing to issue me a card while I was carrying a balance, so much so that when I logged onto the website they had already set up the Synchrony MasterCard   account ( XX/XX/XXXX ) with a whole new card number. However, once they received my money and after I had paid off my balance on the card in full, that they close my account ( XX/XX/XXXX). I had no history of late  payments on this card or any other derogatory remarks from the company.
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

My area was hit by a bad hurricane last year and we are still trying to recover. It has been a finacial struggle and I have tried to tell the company and they don't want to hear it. They said they would keep calling me until I made a payment. I have tried and they ask me personal questions about my bank account, how I'm paying my other bills, if I could borrow the money etc. I have told them I would send a payment as soon as I could and they said " we will keep calling until we get a payment '' I have tried to tell them not to call I would go make a payment as soon as I could. Being that my husband and myself aren't working it's hard to pay a bill when we are struggling to pay the important bills.
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XX/XX/2019, I attended a concert and was picked up by a cab driver. The cab driver said that the price would be reasonable. We traveled for a short distance, and when I asked the cab driver how much it would be, he said XXXX dollars. I told him to charge me XXXX dollars, to include a XXXX dollar tip. I paid by debit, but did not sign anything, enter my pin, or get a receipt. Two days later I saw the cab driver had charged me XXXX dollars. I called CitiBank immediately to dispute the fraudulent charges of XXXX dollars ( XXXX less the agreed-upon XXXX dollars ). They told me to fax the details to them. I did. 

They sent me a follow-up letter asking for more details. I sent my reply by mail. I also called them a number of times asking about the status. They then sent a letter saying that they had not received a response. I sent them the details by letter again, as the fax number they provided gave me a busy message repeatedly. I called CitiBank directly and told them the details of my response over the phone and they noted it. They then sent me a letter saying they had sided with the merchant due to a lack of response on my part and closed the dispute. I appealed it, and they sent another letter ( received on XX/XX/2019 ) saying it had been too long from their original request for information from me. 

It was not possible to get in contact with them in a fashion to resolve this dispute, and they did not take note of the letters I sent to their address they provided. I am very disappointed by this. I have attached the original communication I sent to CitiBank below with all of the relevant details.
Consumer complaint received 2019-01-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MI)

I made a car on XX/XX/XXXX which was early then ended up buying a new car on the XX/XX/XXXX. Was told to call GM to get that payment applied to my new car i called on XX/XX/XXXX to see what could be done was no problem but it would take a couple days to update. Then i called in my new payment on XX/XX/XXXX. So i asked if they could just apply that credit to XX/XX/XXXX payment was told no problem it had to update on there was a XXXX different s. Asked to pay that told wait for it to update. Now calling back again to make the XXXX payment was they were not going to give me the refund n to make the whole payment n why would i believe. What i was told
Consumer complaint received 2018-08-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (VA)

XXXX is constantly calling My cell and House phone number is called multiple times a day at least 20,  they call all day Saturday and Sunday before XXXX on one Saturday morning, they leave threatening messages threatening legal action in a court case, They call after XXXX pXXXX, I have asked them to contact me in writing.
Consumer complaint received 2018-12-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DC)

On XX/XX/2018 the senior loan processor handling my refinance contacted Rushmore Loan Management services requesting a payoff quote for XX/XX/2018. Rushmore did not respond. The loan processor then submitted additional requests that were ignored. On XX/XX/2018 I contacted Rushmore by phone to request a payoff for XX/XX/18 and was told that it would be sent by fax to the loan processor and to me by mail ... it was not. XX/XX/2018 I contacted Rushmore again and was told it would take 24 to 48 hours, then told 3 to 5 days. and told a manager would put a rush on the request and it would be faxed within 24 hours ... it was not. On XX/XX/2018 I contacted Rushmore to find out why they had not sent the payoff quote was told it would be faxed within the day ... it was not. I was supposed to close on my refi on XX/XX/2018 and was not able too, it was rescheduled for XX/XX/2018. On XX/XX/2018 I contacted Rushmore and was told again the same lies. The payoff quote was not faxed again to my loan processor. XX/XX/2018 at XXXX XXXX  and XXXX XXXX I was told that the payoff quote would be faxed to my loan processor within an hour by and consumer service person and a manager. It was not sent. During this entire time the loan processor continued to contact Rushmore and had similar results as I had. The processor from the title company handling the closing also attempted to obtain a payoff quote from Rushmore with no success. Today, XX/XX/2018 I am suppose to close for the second time but can not because Rushmore will not send a payoff quote, I am beyond frustrated and concerned that the date on this loan is going to expire and I will have to get a new loan and the interest rate will be higher. Rushmore is causing me financial harm.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

In XX/XX/2019 my car was wrongfully repossessed by XXXX XXXX XXXX XXXX. I was not late on any of my payments and in fact, I was two months ahead. The repossession company hired by XXXX broke state law by breaching the peace and by stealing my vehicle, and by also using the police to complete a repossession. The following day I spoke with XXXX who confirmed that my payment was not late and the vehicle was not out for repossession. They told me they did not have the vehicle. I contacted the police but was told it was a valid repossession. I spoke to XXXX again and finally was told that the car was wrongfully repossessed and that they were going to return it to me. They did that day. Despite this, the account is still reporting negatively. XXXX breached its contract with me, stole my vehicle, and violated state and consumer laws. If this account is not immediately removed from all 3 credit bureaus, I will pursue legal assistance against all 3 credit bureaus and XXXX.
Consumer complaint received 2022-07-15
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: EQUIFAX, INC. (FL)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ACCOUNT : XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2018-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (IL)

On XX/XX/XXXX and XX/XX/XXXX a debt collection agency by the name of " CREDIT PROTECTION '' has reported on my credit in collections that I owe two amounts to the original creditor " XXXX XXXX XXXX XXXX ''. The amount balance for the XX/XX/XXXX is {$180.00} and the amount balance for the XX/XX/XXXX is {$89.00}. I have attempted to contact the collection agency to remove these inaccurate accurate accounts from all 3 credit reporting agencies and I have not received any response. Please advise that I do not owe this and this is not my debt. They do not meet FCRA guidelines and I have gotten calls and voicemails during work hours when I am on the national do not call list. This is illegal.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

In 2016 as a USAA customer me and my wife were defrauded. A XXXX fraud ring took us for over XXXX dollars USAA failed to protect our accounts and our information and would not work with us which left us no choice but to file for bankruptcy.