davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Key Management Company of Missouri, LLC. (TX)

I have inquiry alerts through my bank. On XXXX XXXX, XXXX, i received a inquiry alert fromt Banner Finance, DBA Commerce Finance XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Texas had done a hard inquiry. I had a Signiture loan back in XXXX, that was paid. I contact Corporate XXXX Banner Finance and spoke to Secretary XXXX. I ask why was a inquiry done on my behalf, if i had not applied for a line of credit now. She responded that they have the right to collect old debt. So again second inquiry done on XXXX XXXX, XXXX. I believe this Company is unlawfully using my SS # for wrong business. They have never contacted me by phone or by mail. I believe its fraudulent on what is being done. I am requesting for those inquiries to be removed from my credit reporting. Your immediate attention is needed., Thanks Concern Consumer
Consumer complaint received 2024-04-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (AZ)

I applied for their XXXX XXXX XXXX XXXX card, and I got it in the mail. Then, when I attempted to get it activated, they said I needed to " identify myself '' by submitting 3 pieces of information. I did that 4 times, and got an email confirmation each time. I kept calling only to hear the same answered that it will take up to 6 business hours. 

I initially submitted my personal information XXXX/XXXX. 

I've basically been given the runaround with the same STORY... 

Here 's the worse part. This is a NetSpend branded prepaid debit card issued under XXXX, right? 

I currently use a regular NetSpend debit card every single month. 

I've had at least 2 or 3 different NetSpend debit cards over the last 15 years, under my same Name, with most of them coming to my same address. 

If they don't want me to get this card, shouldn't they at least say so... 

Several years ago I had their XXXX XXXX branded debit card and I accumulated over {$700.00} on it. Then, I sort of forgot about it for a few years, but when I attempted to log back in, they had closed my account, and kept the money. 

That's the main reason I wanted to get a different debit card under a supposedly more reputable brand.
Consumer complaint received 2016-04-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I purchased a XXXX Hyundai Sonata to replace a total loss vehicle and when I was discussing the loan with the finance manager I specifically told him i was going to pay the loan off early and was there any fees or early pay off fees and he said " No ''. the paperwork and bank are showing a {$190.00} processing fee that i feel I should not have to pay when I originally had my own bank and they convinced me to go with their bank for the loan.
Consumer complaint received 2017-02-10
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (MI)

I got a netspend card I activated it on the XXXX of XXXX and on the XXXX my XXXX was deposited and on the XXXX I got a text saying my card was stolen as it was not I had my card and soon as I got off the phone with them my card at a transfer amount of XXXX and netspend saying they will not return my money. Please help
Consumer complaint received 2015-06-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

SKIP TRACING TRYING TO LOCATE XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, KEEPS CALLING XXXX, XXXX, XXXX, ETC. IGNORED CEASE AND DESIST LETTER AND DO N'T CALL REQUESTS IN VIOLATION OF FDCPA AND TCPA. HAVE PHONE RECORDS AND WELL DOCUMENTED FILE.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

i am filing this complaint against my credit card company capitol one for not rendering the services to me i would have expected when i was the victim of online fraud.i explained to them that this is not a billing dispute, it is for undelivered goods and services.these companies need to produce what they have done for me not the opposite.i paid XXXX XXXX on XX/XX/2016, XXXX XXXX XX/XX/2016 and XXXX XXXX on XX/XX/2016.these monies should be returned to me for services not rendered.capitol one seems to blow me off. im not asking capitol one to do anything there not suppose to, i feel it is easier for capitol one to just say it is to old.these companies are taking advantage of the elderly which is against the law.
Consumer complaint received 2017-02-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (CA)

I believe the XXXX out of Address Line XXXX : XXXX XXXX XXXX XXXX. 
Address Line XXXX : XXXX XXXX City : XXXX XXXX Zip Code : XXXX Is not compliant with XXXX Consumer protection. 

Under the name of 'NETSPEND ' Netspend Corporation XXXX XXXX XXXX , XXXX XXXX I have been receiving real credit cards under my name without ANY contact by me. They are sending real cards that can be easily intercepted and used without consumers evening knowing they had a credit card in their mailbox. 

SImply put, NETSPEND/XXXX is sending out credit cards out to consumers without ANY contact. The implications are very serious as a consumer would not ever know a credit card is on the way without prior knowledge.
Consumer complaint received 2015-06-19
Product: Credit card — 
Issue: Billing statement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

We were not receiving paper statements on our credit card account with USAA, so we contacted customer service to change our billing preference. That was over 6 months ago and after monthly calls to USAA customer service, including a problem resolution department in XXXX, we have yet to receive a paper billing statement. As a result, we are unable to verify purchases, review interest charges or know our minimum monthly payment. This is a breach of our card member agreement.
Consumer complaint received 2020-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

XX/XX/XXXX, XXXX, XXXX, and XXXX 2020 .... called numEros times about the process of my refund. On the XXXX i called to ensure process was going correctly, confirmed bank info as was told was documented correctly. The XXXX i called again and was assured everything was okay and my refund would be in my account the following day. The XXXX of XXXX i received an email saying my refund was returned because of error in my account number, which was suppose to be correct as was told so in the XXXX and XXXX. On the morning of the XXXX a agent at nelnet informed me that if I were to upload a new account and routing number, which was done while on the phone with the gentleman, he n said that this would prevent a check from being printed and sent. That nelnet would process my refund via direct deposit too the bank and account number documented. He confirmed the bank and assured me that all information was correct. He even followed up the bank routing number and recorded that n the process would be successful. Well today, XX/XX/XXXX I noticed on my account a check had been printed so I called once again. This time not one but two agents told me I was infomed incorrectly that they would not be attempting to process my refund a second time, that the gentleman gave me false pretensions and there was no other options but too send a check. They could not tell me why my refund was returned, even though in the past, it was always successful, which I didn't understand due to the fact that my information had not changed. The bank and account number used before was still the same. The two agents were very rude, talked over me the entire call and even went so far as raising their voice. They were not helpful too the matter, nor seemed concerned to attempt to be helpful or ensure my satisfaction or understanding of the matter. They only said that they were aware I was misinformed and reported that the check was printed but not yet sent. Therefore they had opportunity to put hold on sending the check and attempting to process my refund with a new account and routing I provided. I am very unhappy and forced in a situation that could cause financial crisis, as of being homeless due to the fact that I may have to wait another 10 days to receive funds. I understand nelnet had had processing issues in other cases more than once. I am aware there has been complaints due to the same issue and that this seems to be an reoccurring issue. I hope this matter can be resolved in a timely matter.
Consumer complaint received 2015-07-29
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Advance America, Cash Advance Centers, Inc. (CA)

Received a call from XXXX threatening me that legal action was taking place regarding a check fraud case for a payday loan that was taken out XXXX years ago. I was told to make sure that when a process server arrives at my place of employment that if I did n't not sign for the papers, that they would file the papers with the court system and keep coming to my employer every day to serve me until either I sign or the court preceding 's end.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX SS Number : XXXX My name is XXXX XXXX and I am writing you about my account which I have posted above. When I firs got this credit card, I was very irresponsible and did not do my best to pay on time. The effect on late payments on my credit report has truly been a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles. 

We are about to shop for a mortgage, and it has come to my attention that the late notations with you may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with you, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption with your company, and I beg you for such consideration. Sincerely, XXXX XXXX
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

This is just getting old at this point. Experian is once again reporting improper information on my credit report that continues to drag my credit down but has yet to report credit payments made consistently on a {$22000.00} car that is {$9000.00} away from being paid off. They also still have not added that I have credit with XXXX XXXX XXXX and have paid off hundreds of dollars worth of equipment. But, once again they've managed to make another inaccurate claim that I owe XXXX XXXX over {$1000.00}. THIS IS NOT TRUE and I have the paperwork to prove all of it. This collection activity was handled via XXXX who was the holder of the debt. This should have never made it to my credit report at all as a SETTLEMENT WAS ACHIEVED!!!! 
What would be a fair resolution to this issue? 
As always I want this removed from my credit report and to reflect on my credit score positively. It is unfair that my score has dropped from XXXX to XXXX and STILL NO RECORD OF MY AUTO LOAN THAT IS ALMOST PAID OFF OR MY OTHER POSITIVE CREDIT SITUATIONS!!!!
Consumer complaint received 2016-04-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

Ten years ago, I went into a bad XXXX program that did nothing for my future. I lived off loans and eventually landed a job only to be laid off in 2008. I held part time jobs and tried to pay down some of my loans but when I decided to go back to school, the loans were in deferment. Now I 'm a teacher and trying to pay off debts but the once XXXX XXXX now Navient loans have almost tripled in size. I do n't know how to pay them off in my lifetime. Their staff is rude, the calls from them are harassment, unhelpful and I 'm trying to figure out a concrete plan before I start giving them money. I fully intend to reach a settlement and pay that sum off. I should have never been approved for these loans in the first place. I also hold blame to the University XXXX 's financial aide department for allowing this to happen as well. I was young and too naive.
Consumer complaint received 2020-05-01
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2017-03-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: First Associates Loan Servicing LLC (WA)

I attended XXXX XXXX from XX/XX/XXXX in the XXXX. They promised me competitive job wages, job placement and above all affordable loans. When i was about 6 months into the program i had acquired a decent job, and was unable to get anymore federal loans and decided i was just going to quit the program and cut my losses.. They informed me that if i dropped out i would be held responsible for the entire cost of the program without obtaining my XXXX degree, and not to worry because the loan payments were very affordable and kept urging me to apply. They were constantly pulling me out of class to discuss loan information. I didnt want to get kicked out liked they had threatened, so i continued to apply for these loans. They assured me they had other " affordable '' loan options thru a private company called XXXX, a.k.a., peaks loans. When i had to start paying back my loans, the payments were way too high to afford. The only options they gave me was 6 months deferment, and a graduated payment plan that only applied to XXXX out of the XXXX loans, and were still XXXX a month, with an increase every six months. I told them I couldnt afford that either, and they asked what i could afford. At the very most, XXXX a month was it, to which they replied id default on my loans. I asked what would happen if i just sent in payments, they told me it wasnt even enough to cover the interest and they would pursue collection action. They kept telling me the wages in this field were very competitive and that i would have no problem paying back my loans. Once i started getting phone calls from XXXX, they were rude and i felt like i was getting calls from a collection agency. When i tried to call the school and talked to the person that was in charge of my paperwork iwas always told they were unavailable and to leave a message. Of course, i never got a call back. I wanted to know why i had signed paperwork for loans that were supposed to be affordable but werent. The starting wages for this position were mostly at 10 dollars an hour, barely above minimum wage at the time! I have a family to provide for, I couldnt afford that let alone, make high payments with high interest rates. Ive read so many stories like mine and it makes me angry that they bullied me into something i could have and tried to avoid. Right now im trying to consolidate my federal loans because i cant even afford those either, If theyd been honest with me about dropping out i wouldnt be in this situation. Id also like to add that the schooling was mediocre at best. There were times in some classes when our teachers would tell us to just " XXXX '' something instead of actually teaching us. This school was a joke and has completely wasted my time and now ive thrown away XXXX dollars of my money im going to have to pay back.
Consumer complaint received 2015-07-18
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

My loan originated with XXXX, it 's a VA loan. Never was I told that this loan, which is a fixed rate loan, could be arbitrarily changed to increase my payments. I agreed to {$1000.00} per month because that 's what I CAN AFFORD! I never agreed or was told that it could change at the hands and will of XXXX or Wells Fargo who bought the loan off XXXX. Wells Fargo has illegally changed the scope of my contract by increasing, mishandling payments and taking payments from my account that were not authorized. I am now paying $ XXXX per month despite having made extra payments on top of the automated payments over the past year. I got my mortgage in XXXX 2014, in the little over a year Wells Fargo has taken advantage of, increased payments and changed the loan agreement without my permission or knowledge. This was never something anyone told me they could do ... I have made several complaints and know demand the account be audited by an outside organization that caters to veterans. Am again fed up with this and feel even the CFPB does little to help. If this does not get sorted and my mortgage back to the original monthly amount I will file a complaint with Veterans Affairs, contact my Congressman and Senators until it is resolved to my satisfaction.
Consumer complaint received 2020-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NJ)

I was put into collections by a medical company named global radius solutions for XXXX in the month of XX/XX/2020 that is false I have insurance and not only that I have not visited that medical facility and I dont not have any prior acknowledgement to this account I have previously disputed this account and similar accounts in the past the account continues to regenerate into collections every time it is deleted please help me I have used XXXX  and XXXX XXXX to dispute account nothing is working.
Consumer complaint received 2015-09-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ridge & Valley Realty, Inc. (CO)

During a recent review of my credit file, I discovered a collection account that had just been added to my report. On XXXX XXXX, 2015 I contacted the collection agency via certified mail, to request debt verification. I received a response on XXXX XXXX, 2015, which contained a printed statement from the original creditor. The printed statement does not show my correct name or address. I contacted the original creditor with regards to the debt, and was informed that the only identifying information on file was a name and address.The agency did not provide any competent proof whatsoever that I am indeed the party responsible for this debt.
Consumer complaint received 2015-04-28
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENOVA INTERNATIONAL, INC. (MD)

debt collectors was very rude and unprofessional they threatened to take legal action without giving me all the information on my case also called my job repeated times when I asked him to stop calling my job they had my cell phone number so there was no reason for them to call my job after they got employment verification from my employment they still kept calling this debt collector is called first capital the phone number is XXXX XXXX XXXX
Consumer complaint received 2024-02-20
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was on XXXX XXXX in the XXXX XXXX XXXX in the late XXXX. In the early XXXX 's, I obtained a credit card from Capital One and due to service-connected XXXX, I could not maintain employment to continue payment. The debt was quickly charged off ( XX/XX/XXXX XXXX XX/XX/XXXX ). 

Many years later, I was able to reestablish credit through them, but faced the same disability-related problem with repaying the debt. That debt was also charged off ( XXXX ). 

In XXXX, I decided to reestablish credit through bankruptcy to protect my assets. I filed a petition with the US Bankruptcy Court XX/XX/XXXX. Capital One was a creditor on this petition. In XXXX of XXXX, I paid the bankruptcy remaining balance off and was properly discharged from those debts. 

I tried to obtain credit again, but was told by one creditor that Capital One had not been satisfied. I immediately contacted all three credit bureaus and they confirmed this information. During the disputed investigation, I learned directly from Capital One that they had placed both accounts ( XXXX, and XXXX ) in bankruptcy to collect. I had been under the assumption that it was only one account, since that what showed up on my petition. The XXXX yr old debt was the one still showing as Derogatory/ Outstanding. Capital One told me that they had " slipped '' the XXXX account in the bankruptcy with the XXXX debt in an attempt to collect. I am now reading to find out that this was illegal, that the statute for debt collection in any form in Tennessee is XXXX yrs. 

Capital One kept asking me for my mailing address, and I refused to supply it, telling them I am not in any debt obligation to them. They stated that they were no longer collecting, but only wanted to " send me letters updating me with the dispute status ''. I gave it to them, trusting them one last time. I contacted XXXX and they informed me that Captial One is showing as still trying to collect.
Consumer complaint received 2023-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (CA)

I have attempted to dispute an erroneous loan account through XXXX, XXXX, and XXXX. All three credit bureaus have closed my dispute with no resolution and the incorrect information remains on my account. I paid off a loan in XX/XX/2023 in the amount of {$680.00}, the loan company ( Upstart ) insists they sent the documentation that the loan was paid off on XX/XX/2023. Upstart is showing the loan as paid off, but the three credit bureaus are not reflecting the accurate information. This may be an issue with Upstart as well. I would like this account completely removed from my credit report as this has been a terrible issue that is still impacting my credit. 

In addition, I have one late payment with this company, while I understand this was an issue on my part, I did submit applications for hardship assistance which were denied due to being too close to the payoff of the loan. I believe that this is an issue that could have been resolved had I received some sort of payment arrangement with the company.