davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Sessoms & Rogers, P.A. (NC)

I received a document delivered by the Sheriff of the county I live in. I was not home and the document was attached to the front door of my residence. I immediately called the Sheriff once I got home and read the document. The document said I owed a debt and listed the dollar amount of the debt on the document. The sheriff and other unknown persons were able to see my personal financial information. The debt collection agency threatened to take my vehicle as payment if I did not call them immediately and set up a payment plan. The sheriff also called the debt collection agency and he was told too that they would take my vehicle as payment if I did not call and set up a payment plan. I began to have a XXXX XXXX and contacted my M.D. I was prescribed XXXX to control my XXXX and prevent me from XXXX. I began to suffer from XXXX the same night as the document was left on my front door ; I returned to my M.D. suffering from XXXX and prescribed XXXX. After I got myself healthy adn back on track I was able to stop taking the XXXX but I still suffer from anxiety as I look over my shoulder feeling as though someone is going to take my vehicle as I go into XXXX to pick up a few groceries. It 's an awful feeling and as I am unemployed but actively looking for employment ; a payment plan is impossible as I am living off of my savings after moving into my mother 's home unable to pay rent or live independently due to unemployment and lack of money. My vehicle is paid off but the debt collection agency said they put a hold on the VIN so I could not transer the title into another name ; the hold on the VIN makes it impossible to sell the vehicle and buy a cheaper vehicle in order to make a lttle profit.
Consumer complaint received 2015-04-08
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: POPULAR BANK (NY)

sent XXXX XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX XXXX XXXX XXXX in cash advance to receive a XXXX loan reinbust of XXXX total of XXXX threw XXXX wanted me to send more money of just about XXXX per pick up to receive funds on XXXX XXXX XXXX 2015
Consumer complaint received 2022-02-12
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : NATIONAL CREDIT ADJUST XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX ) XXXX XXXX  XXXX ( Original Creditor : 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
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

This item is with Equifax. It is more than seven years old and is not mine. I am a victim of identity theft because of this. I have tried to call them but keep getting the run around. The total dollar amount is {$4000.00}. Public Record Details. I need it removed immediately. 

XXXX Docket number XXXX County, TN Status Amount {$4000.00} Type legalitems
Consumer complaint received 2016-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

I previously had cable services thru XX/XX/XXXX with XXXX. Upon moving in XXXX XXXX, I lost a cable box, therefore, I was being billed for the box. I finally found the box in XXXX XXXX and called XXXX to see if I could still return it. I was told that once I returned the box, my balance would be {$0.00}. I returned the box on XXXX/XXXX/XXXX at their XXXX, TX store. I have attached the receipt given to me to reflect the return. After returning the equipment, I never received any calls nor notification from XXXX that I owed anything else. 3 years later, I noticed that a collection account by SW Credit was placed on my credit bureaus for the {$200.00} that was previously owed before I returned the box.
Consumer complaint received 2022-02-12
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 — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.
Consumer complaint received 2015-05-07
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Eaton Group Attorneys LLC (LA)

Eaton Group Attorneys are collecting an alleged debt for XXXX XXXX XXXX and continue to contact me at my place of employment ( also a law office ), leaving recorded messages, voice mails on my employer 's phone and it is an automated call. I have written, faxed and e-mailed Eaton Group, provided them videos of the recorded calls and voice mails, and photographs of the caller I.D . at the law office where I work together with an Exhibit listing the dates and times of the ongoing calls and they still will not discontinue the calls. I have been verbally warned by my employer not to continue receiving " personal '' calls at the office and am in fear of losing my job!! 

Because I can not seem to get anywhere with Eaton Group directly, this is my next line of action. 

I have also provided Eaton Group with an Affidavit showing that the XXXX XXXX card for which they are trying to collect was never in my possession and was likely stolen along with my vehicle a couple of years ago as that was around the same time that whoever stole the car also started using the credit card. I have disputed owing the debt but doing so is like talking to a brick wall. They do not seem to " follow the rules '' when it comes to debt collection practices.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

My Information was involved in an Equifax data breach as well as my information being compromised during Covid-19 such as My social security card and accounts when I did not have a stationary address.
Consumer complaint received 2015-05-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

HelloTd bank keeps charging me overdraft fees even when I make a deposit on the same dayI have been charged over XXXX XXXX dollars in overdraft fees because they do n't post deposits first they post them last. I called them and they were so rude to me they said they cant help me because of my history of over drafting, I feel that this is wrong there software is designed to rip consumers off
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MN)

On XX/XX/XXXX, I submitted my " final '' PSLF application that should have resulted in discharge of my student loans. I have had XXXX of XXXX payments since XXXX XXXX, on XX/XX/XXXX, after no fewer than XXXX phone calls over the last XXXX months, I learned I had to resubmit because of an error. This is after being told previously by Mohela reps that everything was " fine '' and it was just a matter of " time. '' Now, they expect it to be at least another XXXX business days to even process the application, and then another XXXX days to discharge, putting me to at least XX/XX/XXXX before this is over. I asked for an expedited review since they told me previously that my application was good, and was informed they do not do that, even though I've had it done before. Now, my qualifying employer is about to eliminate my position, which is a huge problem considering, to qualify for discharge, I need to be employed there. Mohela has told me " it's fine ; you can leave. We don't call to check. '' I have XXXX different phone calls recorded confirming this, which is legal in my state, and it is indicated in my personal file at Mohela, per XXXX conversation with a rep. However, given the inconsistent advice and, at times, outright lies ( as to not doing expedited reviews ), how can I trust this statement? At this rate, it will take almost a year for me to get my loans forgiven, which is horrific customer service. Had this system operated the way it was intended, I would not be in the terrible position of being about to lose my qualifying job without forgiveness. I fully understand that many people are impatient, but this is a potentially massive problem for me, through no fault of my own, if Mohela does not expedite this review to correct their misinformation shared with me. At this point, the amount of XXXX XXXX XXXX XXXX and XXXX XXXX I've acquired during the last XXXX months in wholly unreasonable, and I simply want this fixed. The financial consequences for me if this is not done are significant and feel like a slap in the face after XXXX years of government and non-profit work.
Consumer complaint received 2015-04-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Platinum Holdings Group, LLC (OH)

I wa contacted regarding a credit card debt from 2011 by Preimum Recievables out of Huntington XXXX, California. I was told I was contacted by mail and never recieved this information. They contacted my work and my cell phone saying they were going to serve civil matter paperwork. I insisted I resolved this out of court and requested a validation of debt. They said they were not going to do that by law because they did n't have to after 30 days of contacting me. They sent me a letter saying what was owed beforehand via e-mail. After recieving that is when I asked for validation. He started argueing with me and said he would see me in court and hung up.
Consumer complaint received 2015-10-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (PA)

On XXXX XXXX, 2015 XXXX XXXX XXXX sued me in XXXX XXXX XXXX for an amount they alleged I owed on a Lowes credit card. On the afternoon of XXXX XXXX XXXX 's attorney contacted my attorney and requested the continuance of a hearing that both parties agreed to. Despite their agreement to the continuance, on XXXX XXXX, 2015 XXXX took a default judgment against me anyway in the XXXX 's court. On XXXX XXXX, 2015, through my attorney I entered into a signed Settlement Agreement with XXXX to pay an amount we agreed upon for full and final settlement of their claim against me. On XXXX XXXX, 2015, following all instructions in the settlement agreement, I mailed the full payment agreed to, in the form of a money order, to XXXX XXXX via certified mail. The return receipt shows they received this payment on XXXX XXXX, 2015. Despite the fact that I paid the full amount XXXX agreed to and despite the fact that they received this payment, with no other notice to me XXXX took the default judgment against me and on XXXX XXXX, 2015 they recorded it in the XXXX court of my county. As of this writing ( XXXX XXXX, 2015 ) to the best of my knowledge and belief this account is still listed as unpaid and as being in collections on my credit reports. By recording a judgment in the XXXX Court after they were paid in full as agreed, and by continuing to attempt to collect an alleged debt after I had paid it in full per the signed agreement with them, I believe that XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act. Their unjust actions have caused further damage to my credit record, and they have caused embarrassment, damage to my reputation, and many other problems.
Consumer complaint received 2024-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MT)

I currently have 12 loans which Mohela services. I work for a state agency so my payments should be counting towards public loan forgiveness. However 3 of the loans are in a " Forbearance '' status and 5 are in a " Grace Period Status '' and I was told by Mohela this means that any payments on those loans do not count towards PSLF.

I do not know why the loans have those statuses, I never requested that they be in a grace period or forbearance period. I want them to all be in repayment status so that I am making qualified PSLF payments towards those loans. 

I have called Mohela twice about changing the status of these loans to a repayment status, once in XX/XX/XXXX and XXXX in XX/XX/XXXX. Both times they told me they would change the status to repayment but they never actually made any changes. So I have essentially been working for a state agency for the last 7 months yet none of that time will count towards PSLF because Mohela refuses to change the status of my loans, statuses which, again, I never requested in the first place.

I just want them to change all of my loans to repayment status so that I can be making qualified PSLF payments, and I am frustrated that the last 7 months of time I have been working for a public agency are not counting towards my loan forgiveness.
Consumer complaint received 2019-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA ()

I will try to be exact, but brief. 

I have dealt with XXXX XXXX for a long time. I have been in school or unemployed a long time. This year ( XX/XX/XXXX ) I was worse off than ever before. I had my electricity shut off, and was getting less income than in the past. In the past ( pre-XX/XX/XXXX ), I had a $ XXXX/month payment due to my situation. Yet this year ( XX/XX/XXXX ) I was expected to make ~20usd payment every month. Not awful, but didn't seem to reflect my financial situation in any way. I was worse off this year than in the past, and in the past made {$0.00} payments, so why did this year change? 

They kept asking me for IDR paperwork. I would submit it. They would wait roughly a month, then kick it back to me saying it wasn't correct, and to re-submit. I would re-submit the same thing because it WAS correct. This happened several times. 
I moved in XX/XX/XXXX, and changed my address. Yet they persist to this day, sending letter to my old address. Which adds more time. They send it overseas, it takes 2 weeks to get here, then it's routed to my old address, then re-routed to me. I have tried asking about the account mailing address, but they do no answer about this either. It's correct on the online profile, so I don't know why they keep sending it to my old address. 

Eventually they accepted my IDR. But not after several MONTHS had gone by. With me trying to get them to explain this. Why is this being rejected? It's correct paperwork. Of course I was tacked on to thousands of dollars in fees and late payment stuff etc. 

After finally having the IDR recalculated, and the demand for XXXXusd/month, I asked them why I had to pay anything if I had not had to in the past based on my income. If my income was worse, to the point I had my power shut off here. No reply. 
I repeatedly tried to get someone to look at it, or explain it, or explain why it was rejected originally, or to have these fees removed or addressed by them. No answer. 

After waiting for months, and asking repeatedly for help, and recieving none, I finally made a payment out of fear of defaulting, based on the increasingly aggressive auto-generated account letters they were sending. 

A month later, even though I had made a payment, they claim I have defaulted on my loan. 

I don't understand why, so of course I wrote them. No response in a month now. 
I would not have defaulted if I had gotten even a semblance of any kind of support or help in the last 9 months of trying to get anything on the account serviced. 

From my perspective, they have made the entire process a closed box. I can not get help. Period. It's like screaming into the wind.
Consumer complaint received 2020-06-01
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. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX  is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police XXXXI need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2016-04-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My wife had I have had a credit card since XX/XX/XXXX at a rate 0f 8.9 %. Bank of America has held the account since XXXX while MBNA and XXXX were predecessor banks from which they purchased the account. Recently while trying to use the card we discovered that the account had been closed. We 've been told that the account was cancelled somewhere between XXXX XXXX and XXXX XXXX. Current statements from the bank show an available balance of {$3100.00} and an outstanding balance of {$27000.00} I contacted the bank today and spoke with the following BofA representatives : XXXX - Customer Service Department XXXX - Compliance Processing and Monitoring Department XXXX XXXX - Credit Card Services Sometime between XX/XX/XXXX and XX/XX/XXXX a letter was sent to us requesting that we update information on our credit file. We did not see this letter. It was probably thrown away with all the other junk mail we get from various banks. The BofA policy is that the account be terminated if the information is not received. 
All of our dealings with BofA on this account have been conducted electronically. We get statements and we pay on line. 
1 ) Why was n't the request for updated account information made through electronic channels since that was the way we had been dealing with BofA for the past ten years? 
2 ) Why was n't a follow up attempt made to reach us for the information considering the length of time we had maintained the account? 
3 ) Why did n't we receive a notice of the account closing? 
4 ) Why does the current monthly statement show the account open with available credit? 
In speaking with the above bank representatives I have provided the updated information they required. They have told me that federal regulations require that they update their credit information file and if it is not supplied that the account be closed. There is no requirement that the request for updated information be sent in anyway other than by mail. I asked for a copy of the letter that was sent and requested the date on which it was sent but was told the representative could not provide that information. 
When completing discussions with the Compliance Processing and Monitoring Department I believed that I had provided all that was necessary to reinstate the account. 
I was transferred over to Credit Card Services and told that too much time had passed and that the account could not be reinstated but I could reapply for a new credit card at the a rate of 13.24 %, if approved. 
I feel that that the cancellation policy that only requires a mail notice for information with no additional follow up is an unfair practice and continuing to send me statements showing available credit is a deceptive practice.
Consumer complaint received 2020-08-28
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. (IL)

Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine. 

These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (AZ)

I made a downpayment on a car for my daughter over the phone for {$1100.00}. I faxed the credit card number to the merchantd asking that it be put on my card. The credit card company put it thru as a cash advance and charged me {$50.00} fee plus {$17.00} in interest. I contacted them and told them that I did not authorize it as a cash advance. I have plenty of cash and would never take out a cash advance for anything!. They said that the merchant put it thru as a cash advance and that they could not reverse the fees. I told them this was an unauthorized charge and that I would not pay the fee and that they could close my account. They refused to credit me the unauthorized amount.