davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (NC)

In XX/XX/2020, I was moving and tried to change my XXXX XXXX internet to my new address. XXXX told me they served my new address, but when I plugged in the equipment and it didn't work, I called them and they admitted they do not serve my new address. I immediately cancelled my account and returned my equipment on XX/XX/XXXX. 

A few weeks later I got a notice that I had a bill due on the cancelled account. I called XXXX and they informed me the bill was an error and my account had XXXX balance. I confirmed this in their online portal ( using my existing account info ). They also told me to ignore any additional statements sent in the next few weeks. Then, on XX/XX/XXXX, I received a collections notice ( reference # XXXX ) from Sequium Asset Solutions for a {$49.00} XXXX  bill on an account number I had never seen before. 

I logged into XXXX and only my old account -- not this account -- showed up, and it told me I had {$0.00} balance. I called XXXX  and discovered that they had, without telling me, created a new account at the address they had never provided Internet access for and transferred a charge they had never informed me about to my new account. I made repeated attempts to log in to the new account to verify the balance but was unable to do so -- it kept showing {$0.00} balance on the old account. 

Finally, on XX/XX/XXXX, I was able to reach someone at XXXX  who allowed me to pay the balance on the new account over the phone. ( I still don't know if this charge was legit or where it came from, but at this point I just wanted to be done with the whole thing so I paid it. ) I am alarmed that they sent the bill to collections while I was actively trying to figure out whether it was legit, and that they transferred it to an account that they never told me about ( therefore making it impossible for me to pay ), and that they told me repeatedly that I had already paid my outstanding balance. I am concerned about the impact this could have on my credit score when it's all a result of really, really bad customer service on XXXX XXXX part.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have a collection that is reporting inaccurate information on my credit report. I have disputed the information 30 days ago and have yet to receive a response. This collection is not valid and the collection agency can not verify that this debt is valid.
Consumer complaint received 2017-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (WA)

This follows up on an earlier complaint I filed with the Controller of the Currency. The Controller forwarded the complaint to Chase. Chase 's reply to Case XXXX is attached here. 

I may have filed my complaint with the wrong agency and should have started with CFPB. The Controller 's office did forward the complaint to Chase, and Chase did copy to the Controller their response to my complaint. Otherwise, I have not had any contact with the Controller 's office. 

I have noted my comments in the margins of Chase 's attached response. Briefly, I still believe that the impounding of deposits for 11 days is unjustified in this electronic age. My deposit with Chase was transferred instantly from my account with XXXX XXXX to Chase. Chase had control of my deposit ( {$35000.00} ) on the day of the deposit according to statements from both banks. If the deposit had been forwarded to XXXX XXXX by XXXX, as was apparently the situation when this impounding was originated, I could understand it. Today, the practice continues because it is ( a ) an interest-free loan to receiving banks, who undoubtedly resist any change and ( b ) because it is not important enough for regulatory agencies to pit their limited resources against the platoons of lawyers the banks would mobilize to continue the practice.
Consumer complaint received 2024-03-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: LOBEL FINANCIAL CORPORATION (OK)

I was going through a divorce and needed a vehicle, no credit, not great credit. Went to a buy here pay here lot, was only in business a total of like 6 mos-year. Approved me for a car but then said they couldn't do it, transfered the car and myself to a complete different lot in a different city, said I was approved, Lobel financial. Had me driving the car for nearly 3-4 months before I got the actual contract and everything signed. I had to have a vehicle so my hands were tied.lobel financial was extremely shady, no truth to payments. I let the car get repossessed. I have disputed it for years on my credit and the Burroughs will not truly investigate. The loan amount gets higher and higher on the credit report. It's just a scam that I can't do anything about. We get stuck in a credit rutt from shady loan companies that take advantage of low credit credit scores, and it's impossible to get out of it. I have wanted to take bankruptcy for years but always try to fix my credit and just end up making it worse. The Burroughs are worse than the preditory lenders because they know most of us don't know how to fight back, or where to turn for help. There's more to the whole thing however I just found this sight and decided to see what could be done.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TX)

My account with GM Financial was transfered to a third party to be settled. The settlement was paid off at the beginning of XXXX but the company is not reporting to my credit only GM Financial. We are in the process of buying a house and the credit bureau is asking for a letter from GM Financial stating that the account was transferred to XXXX XXXX which is the settlement company. Ive spoken to 4 different people at GM and all of them told me they can not give me that letter because they do not have a template set up for something like that. One of those 4 people even hung up on me when I was trying to get information. We are trying to get this done before my realtor has to run my credit again for the third time and dropping it more than it has already.
Consumer complaint received 2016-05-18
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Consolidated Management Group, LLC (SC)

I received a phone call from a man who had informed me that he was a processor trying to deliver papers that needed to be signed by me because I was being sued. I asked him what was it about and then gave me a phone number ( XXXX ) to find out what it was it in reference to because he did n't know anything cause the documents were in a sealed envelope. And it was important that I contacted the number to find out for myself. I called the number a very rude man answered the phone and told me that I needed to pay a debt for their company in order to stop the process of being sued and going to jail, I got very nervous and tried to find out what it was about but he just kept yelling at me and telling me that I knew and that I deliberately did n't pay a debt and I was getting sued for fraud and going to jail. So, I panicked cause I really did n't know and I gave XXXX ( XXXX ext.XXXX ) my credit card information and paid the {$300.00}. Then XXXX XXXX came on the line to tell me that it was process in five days and if I tried to stop the payment that they would proceed with the process of suing me. I do n't know who this company is. I have n't received any letter or bill in the mail. I do n't even know what debt they were talking about. All of this took place over the phone on XX/XX/XXXX. On XXXX XXXX I received and email from Continental Consumer Services stating that XXXX XXXX was the original creditor. I honestly do n't know who that is. I realized that I was bullied into paying for a debt that I did n't make.
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

What happened is that I bought the debit card to make a {$100.00} donation online. I loaded the card at XXXX. It is card ending in XXXX. Expiration XX/XX/XXXX. I noticed that on the back of the card it states : * No credit check. Clear, Easy to use and Simple. Buy online.. XXXX  prepaid Crd Reloadable.

This card can not be used until purchased, loaded and activated. Flip open to see fees and more. I thought I would be able to donate online and not have any issues with this card because of the verbage of having no fees and no hidden fees.

I spent about 2 hours on the phone trying to decipher why my card was saying deficient funds to the Orginization that I was trying to donate to.

I found out that there were hidden fees involved. At first, I feared someone had stolen my {$1000.00} off the card! The Agent and her Supervisor explained that there are , {$2.00} fees every time I use the card. Then I was informed that I had to go to a Loading Station.

I was furious! I told the Supervisor to refund my {$100.00} to me in the mail. Then she said, there was another way she could help. This was at or about the 2 hour of continuous, precious, time I was spending on the phone, trying to resolve this issue.

I am requesting a {$100.00} check be sent to me. I want to shut this card down. I still don't understand all the associated fees with tthis card. I don't understand the requirements to not have fees assigned either.
Consumer complaint received 2015-04-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MA)

I was in the generation of kids who were told that getting college degrees would open the door to great paying jobs, so rack up all the student debt it takes cuz you can pay it off easily after you sort through your job offers. 
Maybe there was even a time that was true, but although the unpaid internship market is through the roof, the job market is XXXX and my degrees are not competitive. I tried so hard for so long ( 2.5 years ) to get work in my field while scrounging on XXXX, trying to land any job in any field, usually part time and/or seasonal. When offered a full time year round position, albeit for $ XXXX/hour XXXX hours/week, I took it and have given up on trying to get work in my field. 
I have about $ 300K in loans. My federal loans are fine because Income Based Repayment brings them down to $ XXXX/month- even though Navient tries their hardest to obscure that it 's an option, and wo n't even, insofar as I can tell, tell you how to apply for it. The bulk of the loans, however, are private Navient loans, and recourse is practically nonexistent. I ran up my forbearance time while un ( der ) employed ( paying {$150.00} each time- paying money to not pay money so I ultimately pay them more money? ), and then they set it to interest only payments, which still works out to over 100 % of my income. Every payment I 've ever made has been to reduce my delinquency. Now they 're saying that interest-only payments is another thing that runs out and soon they 're going to ask me for EVEN MORE money- presumably 200+ % of my paltry income. It 's not that I 'm unwilling to pay- I 've been trying to pay like 20+ % of my pathetic income toward it, occasionally jeopardizing my ability to pay for food, but at this point I think the smartest option would be just to let it go into collection cuz Massachusetts will only let them garnish 15 % of my wages.
Consumer complaint received 2021-02-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (TX)

I filed XXXX XXXX in XXXX to save my home. During that time I also applied for a Loan Modification in which I was approved as of XX/XX/XXXX. The letter said that the modification should be final within three months. I have made the three trial payments under the contract. During this process I converted my bankruptcy to a XXXX XXXX ( the house is no longer included XXXX. I have called HomeloanServ each month asking when they will finalize this modification and no one ever has any answers for me. They are always I don't know what to tell you. Someone will call me back and they never do. I spoke with XXXX in mid XX/XX/XXXX she said they are waiting on paperwork from the bankruptcy trustee. I advised them that my attorney XXXX XXXX said that they will not receive anything from the trustee since I am no longer in a XXXX and they are not included in the XXXX. They have refused to finalize the modification and have refused to give me any answers. My XXXX is to discharge XX/XX/XXXX and my attorney need affirmation of debt which they have refused to provide. I called again today and once again was told by the representative that she had no answer for me and she did not know what to tell me and would have a supervisor call me back XXXX who is very rude by the way ) and never returned my call from XXXX.
Consumer complaint received 2018-06-11
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: United Student Aid (USA) Funds (NJ)

In XX/XX/XXXX, United Student Aid debt was clearly discharged in a bankruptcy order. So was XXXX XXXX XXXX. This year, XX/XX/XXXXthey took my Federal & State taxes in the amount of {$830.00} AND last year, XX/XX/XXXXfor {$940.00} totaling {$1700.00}.

After getting a recent offset letter, ( XXXX ) last week, I called the XXXX XXXX who directed me to contact United Student Aid/XXXX, who is the creditor ( XXXX ). I was directed to XXXX XXXX, who I was told services the account. ( When I heard " XXXX XXXX '', I had recalled that XXXX XXXX also recently sent me a letter about this same debt ( ACCT # XXXX ), to which I immediately responded " discharged in bankruptcy '' and provided the docket number. XXXX XXXX asked me to forward a copy of the Order via email, which I did on XX/XX/XXXX. Today, XX/XX/XXXX, I called XXXX XXXX to follow up and was advised their systems are now showing a XXXX balance. Agent suggested that I follow up with United Student Aid to see what shows up on their end. I called United Student Aid again. XXXX, who now says their systems are not able to see a current balance as this matter is in Bankruptcy. I was now directed to XXXX, which is what Im told, they Bankruptcy department, named XXXX XXXX. They said they see an " active '' bankruptcy, to which I reminded them was NOT active. It actually is a discharged debt that was wrongfully offset from my taxes. I asked about what happens with my money. I received NO ANSWER. I was told that they have to send this out to another " servicer '' and that can take 30-90 days to find out WHO is going to service this. Meanwhile, United Student Aid took 2 years of my taxes AFTER they were clearly discharged. This year for {$830.00}, and last year for {$940.00}, when they weren't supposed to. Also note, that directly after the stay I was receiving collections notices, to which I quickly responded with " in bankruptcy '' along with the docket number. They clearly ignored same.
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2020, I sent a Notice and Demand to Validate Debt Claim. 

On XX/XX/2020 the company sent me a correspondence that there was no debt owed. 

The company is still reporting that there is a debt and is still reporting to third party credit bureaus.
Consumer complaint received 2018-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (MN)

In XX/XX/2016, my child support raised to a point I could not support myself any longer on my wage. I was in fact XXXX and struggled. I requested IBR for my loans. I sent in the application and gave them access to my IRS XXXX. They were " processing '' it for 3 months, in which I called and emailed several times to see the status. The agents only stated it was pending, but then I was sent a letter my application was cancelled by the lender. I put my loans in forbearance to send in a new application, as that was " all they could do ''. they stated I would have to make a {$5.00} standard repayment to move from Forbearance to the IBR once approved, however I received the billing statement to make this payment 4 days after I received a notice stating since I hadn't made the payment, that my loans were on standard repayment and the IBR was cancelled a second time by the lender. I then filed a complaint with the MN Attorney General. They followed up with the lender, who stated all these things were my fault and I owed a grossly overstated sum of money. As of today, I received a negligent email that they were going to affect my credit, when in fact I should have a $ XXXX monthly payment based on a wage of less than $ 40k a  year and a household size of XXXX. Then i received a call from the lender 's collections person at work. I told her I can't take these calls at work, but she stated she couldn't control when they occurred. I used to work in collections and know that this is wholly against the FDCPA rules. I mentioned that to her, and she laughed at me, thus the reason for this complaint.
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I have followed all the protocol for submitted a dispute with TransUnion regarding XXXX. All I get back is " investigated-accurate ''. Even though I have provided ALL the documents needed to PROVE that XXXX should NOT be allowed to report anything, it is like NO ONE looks at any of them, or THEIR OWN REPORT! How can you show that XXXX, the ONLY student loan I have had, CORRECTLY reports the account closed and included in XXXX  XXXX Bankruptcy 3 years ago, but THEN allow another RANDOM company to come in 3 years later, a company I have NEVER heard of, been given ANY information about or been contacted by to start REPORTING FALSE information to MY report on THEIR website just because they " say so ''?? 

I have provided the discharge paperwork from the court that SHOWS the judge ORDERED all XXXX LOANS discharged. I was injured, lost my business and am XXXX and will NEVER work again to be able to pay the XXXX loan off, so it was a hardship case and special circumstances to discharge the XXXX loan. I have explained this a THOUSAND TIMES to different people and STILL they continue to damage my report with FALSE information. 

XXXX apparently bought a debt off XXXX after bankruptcy that was discharged 3 years ago. After battling with them, they finally closed it on all my reports, BUT they continue to report it every month showing I owe more and more and more money and that it is is late and past due and in collections, despite being closed. XXXX has been contacted and they are CORRECTLY reporting the debt as discharged in XXXX XXXX they said they tried to notify PHEAA to stop collecting, but XXXX has not taken their direction and there is nothing more that XXXX  can do at this point. I have contacted XXXX and they REFUSE to admit they purchased a debt to collect on that was illegal and they are NOT entitled to collect because of the XXXX  XXXX discharge. They refuse to take it OFF ALL credit reporting agencies OR stop reporting it as late/Collections, despite it having been discharged. 

See the Discharge Paperwork that has very specific language regarding discharge as to ALL student loans. Mine was a hardship case from an injury and loss of a business. I am now XXXX and will never work again and the judge knew that I would never be able to repay the student loan so it WAS in fact discharged in 2018. XXXX knows this, so why XXXX is STILL trying to collect and reporting as LATE payments, I can not figure out, or WHY it is being allowed!!!!!
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I am writing to formally address an issue regarding a credit inquiry that was conducted without my explicit consent during my vehicle purchase experience at XXXX XXXX XXXX XXXX in XX/XX/year>. 

It has come to my attention that XXXX XXXX XXXX XXXX, in conjunction with Fifth Third Bank, submitted a hard inquiry on my behalf to Fifth Third Bank without obtaining my express permission. As this action was taken without my consent, it has resulted in an unauthorized entry on my credit report. 

I must emphasize that I did not authorize either XXXX XXXX XXXX XXXXXXXX or Fifth Third Bank to conduct any credit inquiries on my behalf. Consequently, I kindly request that immediate action be taken to rectify this situation by having the unauthorized inquiry promptly removed from my credit report. 

I firmly believe that rectifying this issue by removing the unauthorized inquiry from my credit report is the only acceptable resolution to this grievance. I urge both parties involved to take this matter seriously and to cooperate fully in resolving it expediently. 

I appreciate your prompt attention to this matter and expect a timely response regarding the actions being taken to address this issue.