davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CO)

I have a Visa credit card through my ENT XXXX XXXX issued through Elan Financial Services. I believe it was XX/XX/2022, when I received a notification of a fraud alert. The notification provided a case ID number XXXX and requested a call back at XXXX, a number that was different than any number on my card or on my statement documents. For this reason I was concerned that it might be a scam and did not call the number provided. I attempted to go on line to check for any unauthorized activity on the card only to receive an error message stating to try later or to call if problem continues. I tried to access several more times over the next few days. 

On XX/XX/2022, I attempted to use the card and it was declined. I then called the number provided on my card and was connected to the Fraud Alert Department. The representative was rude and condescending. I advised that since the number left in the message was different than the number on the card I was concerned that it might be a scam since scams are prevalent and I have previously had my identity stolen. She stated that I should know to always call the number on the card. She went on to question charges on the card asking : What is XXXX and why are there a number of transactions to them? 
Here is a charge to XXXX XXXX, did you buy something from XXXX XXXX? 
There is a charge to XXXX, what is XXXX? 

Her tone was aggressive and accusatory. These were not atypical transactions. They were transactions with vendors that I had previously done business with. 

I have had previous fraud alerts with other credit cards and they typically were for purchases that were made out of the area or were for items and amounts that were not typical of my spending pattern. With the nature of this call, the tone of the representative, and considering the transactions being questioned, I am concerned that I am being targeted for transactions that might suggest political views.
Consumer complaint received 2017-02-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

Navient has been the worst company I have ever dealt with. Since graduating college in XX/XX/2009, I have been laid off twice and graduated in the worst possible job climate. With no other choices I had to put deferments and forbearances on all of my loans until that option ran out. At this point in time according to Navient, I have officially run out of options. The harassment of phone calls has been unbearable. My mom and I are both unemployed right now, fighting to stay afloat and they offer me no concrete solutions. I even did a joint phone call with my mom last month telling them that we have nothing to our name. They do n't care. I owe {$3300.00} in past due amounts and I 'm drowning. When I did have a job I was able to pay everything on time. For example, last year alone I paid roughly {$12000.00} back to them. What really set me over the edge was my last phone call with Navient. The representative said that I needed to pay {$900.00} to Navient or else they would report the delinquencies to the credit bureau. They do n't understand that I have NO MONEY. I am unemployed and barely surviving with my unemployment benefits. I borrowed the {$900.00} from a friend so that they would n't report my late payments. After paying them, I received an alert on Friday saying that they had reported late payments to the credit bureau and my credit score dropped XXXX points. I 've diligently worked over 5 years to get my credit score to where it is and Navient has not only lied to my face but has damaged the one thing I 've been so proud of. I feel like I have been robbed. I struggle severely with XXXX and XXXX and this company truly pushes me over the edge. I have no where else to turn. I feel so defeated from Navient. I will gladly return my diploma from college if it will stop the harassment and help ease my state of mind. Why wo n't a company help their patrons calling in begging for a solution???!!! Navient has failed me and my family and I would never wish this pain and suffering to even my worst enemy. Please, can someone help me?
Consumer complaint received 2023-06-27
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: LoanCare, LLC (CA)

Loan Number : XXXX - XXXX incorrectly reported delinquency for loan payment. 
- XXXX XXXX XXXX  sold my loan to another loan company ( XXXX XXXX ) effective XX/XX/ ( letter attached ) ; therefore, all payments after XX/XX/ should be paid to XXXX XXXX, not XXXX 
- However, IN FACT, XXXX XXXX XXXX  received my XXXX and XX/XX/ loan payments through an auto payment online account ( payment history attached ) - XXXX reported delinquency for missing loan payments in XX/XX/ to the credit bureau caused a massive impact on my credit history. 
- The " Goodbye '' letter received from XXXX indicated " The servicing of your mortgage loan is being transferred, effective XX/XX/XXXX After this date, a new servicer will be collecting your mortgage loan payments from you
Consumer complaint received 2023-04-13
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Miller Investment Group, Inc DBA AutoNow (KS)

Misleading contract on XX/XX/2023 with myself the true creditor, and the debtor MILLER INVESTMENT AUTO GROUP , INC. dba AUTO NOW although I act on full faith and credit, I was coerced into a vehicle that I did not inquire about. Not only was the vehicle overpriced the interest rate was way above the average. Originally, I was told that {$200.00} down was acceptable then after they got a signature from me and took my social security number as collateral and put themselves in the fiduciary position, they did what was right for themselves. I had paid {$300.00} in store and a {$1000.00} trade-in. After the transaction I found out that the vehicle was worth nearly {$16000.00} less than the amount I agreed to pay. The total cash price turned out to be {$15000.00} with a full payment of {>= $1,000,000}. On XX/XX/2023 I sent by certified mail a full payoff receipt, affidavit of truth, conditional acceptance. The contract was also locked into a UCC statement with said Trust and payoff receipt. The company has violated several laws and regulations and refuses to respond via written correspondence as requested.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (TN)

My father passed away in XXXX, XXXX. I am trustee and executor of his affairs. I have not received any 1099 interest accounting for XXXX  to do his final tax return. I have called, emailed and my sister visited a branch of US Bank and there has been zero response.
Consumer complaint received 2019-06-03
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: Experian Information Solutions Inc. (DE)

Collection Company XXXX XXXX XXXX in XXXX of 2019 put on my Experian credit report that I owed them through XXXX XXXX XXXX XXXX dollars I asked Experian to dispute this frivolous item on my report and the next day Experian said it was validated less than 24 hours later I than disputed it again asking for the verification of this information that validated this debt and I received nothing but that less than 24 hours again it was validated. This is unfair and prejudice credit reporting
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Early Warning Services, LLC (NY)

I contact Early XXXX after my account was closedXXXXXX/XX/XXXX. I called then to get more information to see what happened, but so far not a good answer, because they could give no information until a submit a copy of my report that will take 15 to 30 days. ( until this time i was without no payment, i could receive my payment, because i could n't open account any place until i resolve that ) So they took almost a 23 or more day for me to get the report. Soon i receive i call then to help me to dispute, because i never receive a letter for the XXXX banks informing me about that they will be add a NEGATIVE IN MY NAME and caused so much XXXX and affecting my business. 
I email ( a copy are attached ) and responding to Early Warning on XX/XX/XXXX, a document to dispute both negative that was in my name since i i didn t even know why and reason for all this. 
I called Early Warning on XX/XX/XXXX to see if my case was resolve, and unfortunate i receive a bad new that the bank did not going to remove and dispute the negative in my name and i have to wait until XXXX XXXX, because after 5 years will be removed automatic. 
Im sorry but this agency they not looking for to help us, they a not taking me seriously at all. 
I have n't been able to cash my check for almost 3 months now, because i ca n't open a checking account, i became miserable and i do n't know what to do, because every time that i try to solve the problem that i did n't even know and i never was inform regarding for this negative. Please help me, because this situation has to be resolve quick as it is affecting my business. this s not acceptable and, as you can image, is causing me a good deal of XXXX.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AZ)

During XX/XX/XXXX, XXXX XXXX negotiated with Citibank - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/XXXX without any interruptions. However, Citibank is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with Citibank that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.
Consumer complaint received 2016-04-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Issue : 1. On XXXX/XXXX/2016 Bank of America charged me {$35.00} OVERDRAFT ITEM FEE FOR ACTIVITY and 1 week after, on XXXX/XXXX/2016 they charged me a second {$35.00} fee for the same overdraft, and they called it an " Extended Overdrawn Balance Charge. 
2. Bank of America informed me about the 2nd overdraft charged to my email address but they said they did not inform me about the first one. 

Desire resolution : Bank of America is charging twice the same fee in a week, therefore they should reimburse me the second fee. 
I have had this account since the year XXXX and I had never had an overdraft. They refused to waive the fees.
Consumer complaint received 2015-12-20
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Service Bureau (AZ)

On the day of the medical appointment my spouse and I showed up at the XXXX XXXX and checked in with the insurance/payment person. I stated that my insurance had recently changed and if I was not covered, I did not want to be seen ; rather, I would walk away from incurring the charge because I could not afford it. This was all witnessed by my spouse. The insurance person made some efforts to confirm my coverage and told me that I was certainly covered and there would be no problem with going forward with the visit. Of course, later, the XXXX billing department said I was not covered and demanded {$2500.00} for XXXX visits, all charges worked up for the XXXX XXXX doctor 's visit. I offered to pay the amount of my typical deductible, which was refused as payment. They required me to submit to their disputed bill department, which I did, to no avail. Then they repeatedly called me, threatening to send the bill to collections to ruin my credit rating despite the fraud they committed upon me, again refusing just payment, as they promised to accept at the time the service was performed. And now I receive a collection letter from a law firm telling me to submit the same information all over again if I dispute the outrageous charge. On XXXX treatment visits, I rehearsed I did not want to be seen if I was not covered by insurance. My new insurance flatly refused to pay XXXX charges ( XXXX XXXX XXXX XXXX XXXX Arizona ).
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I have XXXX derogatory payment status ' on my credit report from XXXX student loan. XXXX broke the student loans into XXXX groups and gave them over to XXXX XXXX and XXXX XXXX XXXX. I have since paid off both the XXXX XXXX AKA " XXXX '' and XXXX XXXX. Those loans showed PAID but the original loans from XXXX are still showing on my credit report as Negative. 
It is my understanding that once a loan is sold to another company, the original loan can not remain on your credit. Basically, I 'm getting dinged twice on the same debt. Meanwhile when I call XXXX, they tell me they have no loans assigned to me as they 've been " sold ''. I contacted Experian after filling a dispute online only to have the dispute come back and say that due to my privacy settings, I ca n't file the dispute " online. '' What?! Now I have to order one of their credit reports for {$20.00} just to have a copy to send in. It 's insane. 
I was denied an auto loan because my credit had too many non payments on it. However, XXXX of the derogatory " non-payments @ are from XXXX. 
It sounds as though Experian dropped the ball and needs to clear those original XXXX loans off my report. Otherwise, they are costing me over {$2500.00} on my auto loan that I'n trying to get a lower interest rate on. 
Thank you.
Consumer complaint received 2015-07-06
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY (WA)

My wife and I have been getting harassing phone calls on our cell phones and at work about a debt we know nothing about. ( They called her XXXX in the last 5 days at work and told her manager she would be served papers at work when she returned ) they are claiming we owe a debt to Wells Fargo from 2005 ( well past the 6 year statute of limitations in Washington state ) they say we are going to be sued and that her wages will be garnished. they wo n't give us any more info without disclosing sensitive information with them.
Consumer complaint received 2015-04-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc (FL)

We, my wife XXXX and I, entered into an agreement with XXXX ( XXXX ) for points on a timeshare in Tennessee on XX/XX/XXXX. As part of the agreement we made application for a loan through PayPal Credit ( PPC ) for approximately {$5000.00}. On XX/XX/XXXX We signed a form provided by XXXX that indicated we were approved ( attachment # XXXX ) After reviewing the documents at home we decided that we had been victimized by XXXX an pursued legal action to cancel the agreement ( attachment # XXXX Summary Statement ). On XX/XX/XXXX we received a letter from PPC dated XX/XX/XXXX informing us that our credit request had been denied due to their standards for approval ( attachment # XXXX ). We assumed the agreement with XXXX was nullified and we would be contacted by them to renegotiate or terminated the agreement. 

In XX/XX/XXXX we instead received a statement from PPC indicating we had an account and we were subject to pay the amount authorized ( attachment # XXXX PPC Statement ). 

We communicated with PPC to tell them we had initiated legal action to terminate the agreement with XXXX and felt the amount charged to us was therefore invalid. We asked them to investigate the process for the granting of credit attachment # XXXX request for review ). 

They denied our request and stated via mail that we were expected to honor our agreement with PPC ( attachment # XXXX PPC Response to request for review ). 

My contention, as it pertains to PPC, is that we were denied credit based on their established terms. Denial of the credit worked to our advantage because the terms established by XXXX were not consumer friendly ( please refer to attachment # XXXX Summary Statement ). However, PPC entered into a complicit agreement with XXXX to override their own standards and extended the credit after it was denied. I consider that and act of collusion. 

Furthermore, XXXX gave me the false impression that credit had been approved by PPC on XX/XX/XXXX when in fact it was denied on XX/XX/XXXX following the submission of the application to PPC by XXXX on our behalf. I consider that predatory loan practices. 

Following legal advise we will honor our signed commitment to PPC for the amount charged against our credit. However, we consider this debt to be the product of acts of collusion between XXXX and PPC and predatory loan practices by these same named merchants. 

At this stage in the matter before you we not contemplating the pursuit of additional punitive damages nor reimbursement for legal fees incurred. We are only requesting non-punitive relief from this obligation against our credit.
Consumer complaint received 2022-02-16
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: Santander Consumer USA Holdings Inc. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( SANTANDER CONSUMER USA ) is reporting on my personal credit file with XXXX, XXXX, and XXXX XXXX Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( XXXX ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Capital One is reporting twice on all three of my credit reports. I have since paid the card that i had off and it is a part of the problem with me getting my children into a home I need these derogatory marks removed from my credit report.
Consumer complaint received 2015-08-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NC)

XXXX : XXXX University, XXXX, NC. 
XXXX XXXX gave me a predictably uncollectible loans at the age of XXXX. I had no credit history to speak of, no collateral, and XXXX of debt was taken out in my name - without my consent over the years XX/XX/XXXX-XX/XX/XXXX. I no longer can pay. XXXX calls me multiple times a day and they just called the crisis line at my work which i happened to be on to receive their call. This constitutes calling a third party line as it was just by chance I was working the crisis line. My coworkers often are staffed on this line and if they continue to call they will be contacting my coworkers about me. They also did not obtain this crisis line number from me. It is also highly inappropriate to call a crisis line used for mental health emergencies to collect debt.
Consumer complaint received 2021-05-21
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2019-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

Called multiple times over the years for a debt occurred during previous marriage in 2004 from AMERICAN General Finance for an amount of {$2300.00}. This was all settled when exwife sold the home and moved out to her new home bought by parents. It has never been in my credit report and with interest they are placing it my report and threaten to garnish wages, etc for next 10 years. The company calling is XXXX XXXX XXXX out of CA. This debt is not owed and I am not paying something to a company in a state of crooks.
Consumer complaint received 2015-04-08
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2015 sent husband to cash income tax check. I was not present, so I signed and gave my husband my Drivers ' License. Check could not be cash because I was n't present, but could be deposit in the account and money available the next day. I felt the bank did not give my husband a good understanding about what would happen to our income tax check, and made him feel the check would need to be deposit in order to get the money. I also went to the bank after work and to find out what happen to the money to pay our bills at that moment. The bank told me there is nothing they can do, XXXX pick the check up at noon, and they do not have the check in front of them.The bank policy is to take your money, but have restrictions on how they disburse your money.I do n't have to be present to deposit the money, but present when they cash the tax check, and there are no documentation, or check scan on computer proof of check deposit.I feel I have been lied to and inconvenience.