davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION (MD)

Several times I reached out to Navy Federal Credit Union concerning my outstanding account balances. I had multiple conversation with several Customer Representatives about my account status and problems receiving my statements in the mail. Not receiving my statements became a big problem because it cause my accounts to fall in a seriously negative status over and over ag  ain. Navy Federal representative stated that they upgraded their software last year. After the upgrades they had several customers that did not receive their statements. I also had reached out to the credit department and their solutions team and they also reviewed my accounts and apologize over and over again and repeatedly stated that they would my derogatory credit history.
I had several 2 hour phone conversation being on hold several times, bein  g transferred back in forth. At this time I do n't see any changes made to my accounts.
Consumer complaint received 2015-11-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (GA)

XXXX XXXX XXXX XXXX is demanding payment for a debt they allege I owed to PayPal, Inc. in the amount of {$630.00}. I never did any business with Paypal that could have resulted in any unpaid amount to them or XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is using unfair and deceptive practices to collect debts that consumers do not owe.
Consumer complaint received 2015-06-18
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Technology Incorporated (VA)

Even though I paid off my school loan in full in with the original creditor, Collection Technology Inc. still trying to collect even after I 've notified them by mail on XXXX XXXX, 2015 that it was paid off. They have now unlawfully seized my joint tax return totaling {$750.00}. They also refused to validate my loan when I notified them of payment, in violation of FTC 809, Validation of Debts.
Consumer complaint received 2016-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (FL)

I switched from XXXX with XXXX XXXX XXXX to XXXX with XXXX XXXX XXXX. XXXX billed me twice during my first month with XXXX with the same dates of service for XXXX, though I no longer had XXXX. When I changed services to XXXX, I had just paid my bill and had a {$0.00} balance. I have tried to resolve this with XXXX XXXX XXXX, but they are unable to show me proof that I still had XXXX and they were rude to me.
Consumer complaint received 2021-06-04
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. (TX)

Wrong info : fcra violations not mine : Names show XXXX  button Select as many as apply XXXX XXXX Addresses show XXXX  button Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ( XXXX ) XXXX XXXX XXXX XXXX  XXXX TX, XXXX Correct : please correct this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2017-05-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On XX/XX/17 at XXXX I checked the balance on my checking account. It was about {$23.00}. The very next morning I checked the balance again at XXXX and it was - {$160.00}. I reviewed the information and found that several things had posted overnight which caused the overdraft. I knew a deposit needed to be made ; however, when I checked the balance I assumed I could make the deposit the very next morning. I contacted the bank about this matter and was informed that all of the posting actually took place after XXXX ; at which time it would not have been possible to rectify the problem before the overdrafts were charged to my account. This statement was confirmed by the bank employee. In my opinion this is fraudulent activity, equivalent to thievery and cheating customers out of their money. It should be a customer right to resolve any issues before fees are charged. This posting that were put through were also put through with the highest amount first which brought on the overdraft immediately and then proceeded to run the rest and accrue overdraft fees for all of them. I was told by the bank that because this was n't their mistake that they would not help me resolve this problem. This is a prime example of a big corporation taking advantage of the average consumer. Their should be laws in place that govern this type of bank activity.
Consumer complaint received 2015-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I gave 30 day notice to move out of an apartment in XXXX XXXX. The month to month rate was {$740.00} for the month of XXXX I gave them the difference of my rent minus security deposit of {$390.00}. On or around XXXX XXXX received letter that partial payments were not accepted and the security deposit could not be used toward last month 's rent. On or around XXXX XXXX received a letter stating that I needed to pay my rent including late fees and attorney fees in 7 days or vacant the property. I moved out on the XXXX day and stop payment on the check for the partial payment. My security deposit covered the rent for the 15 days I was there. Months later in XXXX I received a debt collection for the amount of the partial payment, stop payment fee, and late fee and attorney fee totaling {$570.00}. I told the debt collector that I would pay the {$340.00} that would cover the full months ' rent ; however that offer was declined.
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VT)

For the past 10 months I've been getting calls from the SLS customer service. I've spent at least 12 hours trying to correct.

2 calls a day, 6 days a week.

They've penalized me for not having insurance, which I have, and have provided support based on their request.

They're penalized for a payment, which I've never missed. I've provided bank statements and support based on their request. 

They owe me XXXX in unapplied funds from XXXX. 

They owe me XXXX in back payments from XXXX. 

On XX/XX/XXXX, I spent 2 hours working through the system with 4 different areas. Everyone I spoke to acknowledged the error, but I just received another reject notice.

I've submitted all ppwk as requested. This is wrong and has been a horrible experience.

I'm trying to buy a house. This has ruined my credit and I've lost out on rates and several homes. Look at my history. Over 800 until this happened. 

Please help me. I'll provide any info needed. 

Thank you. 

Thank you.
Consumer complaint received 2016-10-26
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION (CA)

Retired military do not keep dental coverage so I had to resort to a ChecknGo Payday loan to finish my upper dental work and purchase my upper dental plate. The dental cost was {$2500.00}. When I went to pay off the {$2500.00} I borrowed, ChecknGo charged me and additional {$2500.00} in interest even though I had made more than {$1400.00} in payments. When I asked why my payments were n't applied the clerk told me that I had to pay interest first and none of that was applied to the principal. I am a XXXX XXXX living paycheck to paycheck and only used ChecknGo as a last resort because I had no upper teeth. ChecknGo are Paydayloan robbers.
Consumer complaint received 2015-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (PA)

This was the first time I had to acquire a loan, XXXX had sent ads that I could borrow {$6000.00}. I went to the office and applied. The girl rushed me through the paperwork and I was not familiar with interest rates. I think the rate was 25 %. I repaid the {$6000.00} but was charged an additional {$8000.00} on the {$6000.00}. My dispute is that they have the loan posted XX/XX/XXXX, I obtained the loan XX/XX/XXXX or earlier which has been at least XXXX years. The {$6000.00} has been paid back, I explained the situation and said you have been paid back what I borrowed. I feel this is a crime what they have done to me, not only have they exceeded the money I borrowed in interest they have also ruined my credit.
Consumer complaint received 2022-02-13
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. (LA)

I've tried to dispute a XXXX account that a fraudulent account because I was in prison also a account with XXXX  XXXX and also all those inquiries on my credit reports that it wasn't me can you please help get that all deleted from my credit reports and I can't seem to update my phone number for the ID theft to not issue any more credit unless I'm contacted first thanks please help
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (IL)

I am concerned that my personal information has been compromised. I am a XXXX employee which were compromised in the giant Fed hack recently. I have had fraudulent charges appear on at least XXXX of my credit cards recently, both individual accounts and authorized accounts. Additionally, at least Equifax includes both an incorrect address and an incorrect " alternate '' social security number for me. Those appear to be typos as they are only off by only XXXX or XXXX digits, but I 'm still concerned due to exposure in at least the hack on the XXXX database. Also, I 've been the target of phishing attempts that show evidence that thiefs have at least some of my personal info at their disposal. I would like to get an alert or something in that vein to alert potential creditors of potential identity theft or fraud. Thank you for your help.
Consumer complaint received 2015-10-26
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Daniels Norelli Scully & Cecere, P.C. (GA)

On XXXX XXXX 2015 at XXXX pm I returned a phone call that I received from a company called XXXX, XXXX, XXXX, XXXX. I spoke briefly with representative ( XXXX XXXX ) who left a previous voicemail requesting that I call back the company. XXXX XXXX refused to provide my request to send out written documentation regarding the nature of this particular phone call. The address that she stated as being my residence was incorrect yet she refused to correct and update the information. She ultimately threaten me by stating that the sheriff would be coming to my job and serving me. She did not state an amount or why I would be served. She hung up the phone after making that statement. According to the pre-recorded disclaimer the phone call should of been recorded by the company. I need to know if this call was legitimate. I am really skeptical because this person was so evasive and ultimately became belligerent whenever I requested the information be documented and mailed to me.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NC)

Ocwen Loan Service Approved a loan Mod for us in XXXX XXXX after a ton of hassle and complaints and denials. I mailed in the contract and 3 trial payments and 1 additional payment in XXXX XXXX. XXXX XXXX I rcvd a letter saying they never got the final contract. I then faxed it. Ocwen then said the signatures did n't match. So resigned and faxed it again. I edited the contract. The amount owed in the contract showed {$20000.00} that was to be deferred principal balance and would n't have to be paid right now, but a non interest balloon payment. However when I recvd the late notice and the statement, they showed different amounts. The late notice showed {$18000.00} and the statement showed {$18000.00} as of XXXX XXXX. So why would I repay {$20000.00}? In addition the balloon payment was n't for {$20000.00} it was for $ over {$70000.00}. If the {$20000.00} was non interest then why is the balloon almost 4 times the original amount? I line marked the changes in the contract and they would n't except the contract with the changes. I resigned the contract with the wrong repayment amount and the crazy high balloon payment, but they then wanted 4 additional mortgage payments per a letter, I recvd in XXXX XXXX with in 22 days of that letter we sent FIVE payments to them. About 3-4 weeks later we recvd another letter saying we were be denied for none payment. Apparently they had emailed us a letter telling us they needed another payment. In all the correspondence, in 2 years they had NEVER emailed anything without request, but they did this one letter that meant we would be denied our modification. Since then they had unrealistic requests like 9 payments, etc. I also rcvd monthly letters from Ocwen offering me assistance with modification, but when would try and log on it would say you ca n't apply right now or it would show a pending modification, but I rcvd denial letters. In XXXX XXXX I rcvd a letter thanking me for application for assistance which I still had not been able to sent after several attempts, but they charged my account for a XXXX property inspection FEES in like 2 months and sent me a property evaluation and {$100.00} evaluation fee.
Consumer complaint received 2016-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have a company by the name of XXXX which is a fraudulent account. This account does not belong to me and they have this same XXXX account listed on my Equifax credit report XXXX times which that is against FCRA. I am asking for it to be removed. I asked for it to be removed and Equifax did not saying it belong to me. It does not and if they would have viewed again, XXXX are duplicate accounts on my report. When viewing my Equifax credit report, this account has been listed since on my credit report since XXXX. I have never made any payment on this fraudulent account. Therefore this account has been on my report almost 9 years without payment. I am asking for Equifax to remove these accounts immediately. Again they are listing the same fraudulent account XXXX times on my credit report.
Consumer complaint received 2022-09-06
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. (DC)

I am submitting this CFPB complaint in regards to the erroneous accounts being reported by the Credit Bureaus on my Credit Report. I have read that the Credit Reporting Agencies are required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I previously submitted a CFPB Complaint last XX/XX/2022, requesting the Credit Bureau to update the payment history of the accounts in dispute. Upon reviewing my updated Credit report, I immediately noticed that the Accounts in dispute are still reporting as late on. If the Credit Bureaus chose to not comply with the law and does not correct the payment status of the following accounts, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureaus to correct the following accounts : XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$1400.00}
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00}, XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$530.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX.
Consumer complaint received 2021-06-04
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 — Problem with personal statement of dispute
Company: AMA Advisors, LLC. (NY)

XXXX XXXX is reporting old information dated XX/XX/2020 and XX/XX/2020 on my accts ending in XXXX XXXX  XXXX XXXX  and Master Card XXXX also Credit XXXX is posting old information XXXX
Consumer complaint received 2016-04-27
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (KS)

I received a letter from Citibank dated XXXX XXXX, 2016 informing me that they had closed my Citi Prestige credit card ending in XXXX. The account was always in good standing, and payments were promptly made on time. The letter stated no reason as to why the account was closed other than stating that " Pursuant to our Card Agreement, we have the right to close your account at our discretion anytime without prior notice. We have chosen to exercise this right. '' There was no number listed to call and discuss the situation. The only way to contact them was to send a letter to their offices in XXXX XXXX, SD. 

I had accrued over XXXX reward points by directing spending to the card, and held in good faith that I will be able to redeem these points for travel when I needed them. When Citibank closed the account, they forfeited all the points without providing any advance notice or opportunity for me to redeem them. A letter sent to their Executive office did not result in a satisfactory outcome. They refused to reinstate the points, and were unwilling to provide any monetary relief. The practice of Citibank enticing customers to use their credit card with promises to reward them, and then unilaterally deciding to forfeit all rewards without notice seems to be a clear case of deceptive misleading advertising, and bait & switch. 

Citibank has not been forthcoming to offer any explanation on whether I had violated any terms of the agreement or caused any material loss to the bank. Under such circumstances, I am entitled to those rewards ( or equivalent monetary compensation ) as were promised when the account was opened.
Consumer complaint received 2022-09-06
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$230.00}
Consumer complaint received 2015-12-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (CA)

I had a XXXX car accident in 2006 which left me XXXX and XXXX for quite some time. I am now clear headed and realize I was a victim of a predatory loan scam by Quicken. I now need to renegotiate this and/or get some relief such as the additional interest removed and a fixed rate. The loan has been sold several times.
Consumer complaint received 2023-03-30
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.