davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I recently missed a payment. I work in XXXX and with the current situation it was simply overlooked. I truly do not understand how this company gets away with NOT calling or emailing or writing to their customers that they missed a payment. Where is the notice that indicates that if the loan is not paid, I would be reported to the Credit bureaus? I can't believe after all this time of trying to do everything right and improve my scores, that HESAA just reports a 30 day late report and destroys my score! Does HESAA really not have any obligation to the customer to put them on notice of a missed payment? I have since paid all of my loan up to date ( these are actually my sons loans but he is currently out of work, not that HESAA cares about what is going on in the world today ) and in fact have paid what is due on XX/XX/XXXX as well. If I had the means, I would pay these loans off today. It's just not that easy with Federal Loans for XXXX children that I put through school as well. But my Federal loans send me notices on a regular basis and they call me too. HESAA has all that information, but they do nothing. The Federal Loans also do not report to the credit bureaus until you are at 90 days past due. They do everything in their power to assist with making sure the payments can be made. I'm not asking HESAA to change their process except I do believe they owe it to those who borrow and have been repaying regularly to at least call, write, email.. do something to put the customer on notice. People are doing what they can to keep up and working in XXXX is Hard these days. I'm sorry I forgot to make a payment. But, why do you have to destroy peoples lives over a missed payment. Have a heart. Please take this notice back. It's not fair! Thank you! Stay safe.
Consumer complaint received 2019-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (DC)

I have received daily phone calls from a company called XXXX XXXX , XXXX Their address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , PA . They claim that I was paying on a debt that was being collected by a previous debt collection company, almost a decade ago. And that the other company went out of business without me having paid off the debt, which was originally owed to Citibank. I do not owe a debt to Citibank and have no memory of ever having an outstanding debt with Citibank. 

I sent a letter to XXXX XXXX informing them that I am disputing the debt. The letter was mailed as a Priority Certified mail parcel, XX/XX/XXXX and arrived to the post office in XXXX XX/XX/XXXX. So far the post office is saying that no one from XXXX XXXX has attempted to pick up the mailed letter. 
I believe this is intentional and that they are not picking up the letter, as then there would be evidence that they had received the dispute letter. I suspect that they will wait a significant period of time to retrieve the letter, so that they can claim that it was received outside of the 30 day window. 

Now they have started calling my wife in addition to calling me. 

The Account # XXXX XXXX assigned to me was XXXX, and they stated that the original account from Citibank was XXXX.
Consumer complaint received 2019-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: NAVY FEDERAL CREDIT UNION (CA)

I am writing in regards to what I feel is an illegal lending practice. Navy Federal Credit Union is attempting to collect payment for a refinance loan before there is any evidence the loan exists or funds have been sent to the prior lender ( the loan being refinanced ). In summary : 1 ) It took two weeks for Navy Federal to process the loan ( I have never had a loan take more than a day and funds have always instantly released directly to me ). This reigns true to a prior Navy Federal refining loan I received in the past.

2 ) I received an e-mail saying funds have been dispersed and a payment on the Navy Federal refinance loan is due in 14 days, yet : There is no loan listed under my Navy Federal Credit Union Loans and Lines of credit accounts.

Funds have not been applied to the loan I was refinancing. 
The receiving bank ( the loan being refinanced ) is XXXX, there is no reason they couldnt accept loan payoff electronically and instantly since this supposed transfer was bank-to-bank. 
This entire process seems strange, as I have had 7 consumer loans in my lifetime and never have funds been transferred loan to loan before, the loan funds were always issued to me, into my bank account. 
Navy Federal is saying it may take up to 30 days for XXXX to process the payment, so now I have two payments due on the same day for two different loans from two different banks on the same {$27000.00} I find it really odd that a payment is due before there is any evidence of a transaction. Typically up to 45 days is the timeframe between loan disbursement and payment due date.
Consumer complaint received 2018-06-21
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: HCFS Healthcare Financial Services of TeamHealth (FL)

This compliant is against XXXX and XXXX  XXXX XXXX ( XXXX ) XXXX is reporting 5 accounts on my XXXX account that I have no knowledge of. I have  contacted both companies and neither company has provide me with the information to identify the outstanding balance and that the account are mines. XXXX has continues to ignore my request. They stated off by saying my letters looked suspicious, I called and let them know that I wanted the account disputed. Now they are telling me they would not re-investigate without proof. How can I prove an item is not mines. What prove will I have. This doesn't make any sense to me. If they say the account have been verified, how was it verified. What information was provided. I have requested documentation from XXXX and all they provide was a list of the accounts. 

XXXX  and XXXX has remove the account because XXXX didn't verify the account but XXXX is claiming the account were verified. 

I feel that XXXX feels I am working with a credit report company and is not taking my request serious. i have researched and know my rights.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I recently received my federal taxes and used a good portion of it to completely pay the balances on both of my Capital One Credit cards. Both payments were paid instantly out of my Fidelity Cash Management Account and funds were deducted in real time. This was on XX/XX/XXXX. 
3 business days later I tried using my credit card for some diapers and milk, etc..and my card available credit is still XXXX. On both cards! 

I called customer service TWICE! The first time I spoke with someone I barely understood and they told me they placed an 8 day hold on my account, but then they were gon na reverse it after calling my bank to verify the funds were released. Well because of the while XXXX trading app debacle, fidelity has seen an increased volume in phone calls from people switching brokerage firms and we were on hold until I had to leave for work. So I ended the call with no resolution. 

In the meantime I logged onto my banking app to confirm and found out that the double dipped BOTH PAYMENTS!!! 

I called back again today and got someone in an American Call center. However, this person was adamant on not helping me. She told me there was nothing she could do even after yesterday there was a solution being attempted. I escalated to a manager. His name was XXXX. He literally patronized me the while time. " I understand, I apologize, blah blah blah. '' So I explain to XXXX that this is unacceptable that just yesterday a rep was calling my bank so they could release my available credit, and now they aren't even interested in helping me at all. 

I told him I should just close my account if that's how they treat a loyal customer, and that dude literally didn't even care. Straight up just said eff you, we have other customers, and closed one of my two accounts almost instantly. 

I'm so sick of credit card companies XXXX on poor people and holding their money for unjustified reasons. It was an instant debit payment from a Cash Management account. No XXXX way does it take 8 days to make sure you got the payment. They could have called my bank tonight to verify and kept a customer satisfied. Instead, the chose to not give a XXXX. I've attached a screenshot of my actual account SHOWING the payments being taken ... ..TWICE!
Consumer complaint received 2022-09-12
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. (GA)

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MN)

XXXX XXXX has the wrong social security number listed on my Discover credit card account. XXXX isnt my social security number. My correct social security number and date of birth is : SSN : XXXX DOB : XX/XX/XXXX.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I reviewed my consumer reports and noticed that i had one late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that i have included screenshot inside this complaint in on dates of XX/XX/2024.Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2020-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (AL)

Ally Bank received an ACH from XXXX in the amount of {$520.00} on XX/XX/2020. The account it was sent to was closed in XX/XX/2020. Ally has not returned the money to XXXX yet and XXXX will not reissue the money to my current bank account until they receive an official rejection from Ally.
Consumer complaint received 2018-06-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (CA)

Ally Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX ) denied my application for a savings account based on information from a bank history report by XXXX. 

Although banks may reject applications for checking accounts based on bounced check history or account closures this isn't the case for savings accounts. In fact, establishing a savings account is suggested as a way for unbanked people to gain the trust of major banks. 
https : //www.bankrate.com/XXXX
Consumer complaint received 2020-07-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

XXXX-Mohela over paid my student loan with XXXX in the amount of {$1100.00} XXXX  stated they sent the credit back to XXXX-Mohela, however, XXXXMohela has only allocated {$500.00} to my account, resulting in a balance owed to my account in the amount of {$680.00} XXXX-Mohela has asked that I work with XXXX to get the appropriate information, however XXXX will not release the information to me directly as the credit check that was sent to XXXX-Mohela includes other individuals. 

XXXX is willing to work with XXXXMohela, but XXXXMohela needs to contact XXXX directly for the information that they need.
Consumer complaint received 2021-03-25
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX does not allow for input and proper documentation of any calls or correspondence after the account is closed. 
All my calls have not been documented. 
All my complaints via a call have not been documented. 
Prior to the closure, I could send an email. Since the account has been closed, I am unable to have access to both of my prior loans paid in full. 
I have a dispute of the only 30 day late in my Credit Report from XXXX. It was admitted that they had internal personnel issue due to CoVID-19 and payment processing. 

Come to find out, my calls to inquire and dispute, NONE have been documented since the representatives are unable to document the dispute. 

I am also filing a FDCPA and ECOA complaint. 

XXXX XXXX Dispute Department XXXX  XXXX XXXX, XXXX XXXX XXXX : Account : XXXX Escalated Complaint / XXXX XXXX Research Department / CFPB Reason For Dispute payment processed XX/XX/2020 ; 30 day derogatory Please correct the reporting of the 30 day delinquency for the PAYOFF that was processed on XX/XX/2020. This was unbeknownst and unrelated to any fault of mine. As you can see by my payment record, even after being intubated XX/XX/2020, not being medically released to return to work until XX/XX/2020 just to be Furloughed until XX/XX/2020, I made all of my monthly payments. 

I paid off my other loan in the amount of {$18000.00} with you, too, in or around XX/XX/2020 as soon as I was able to function. My accounts were never placed on a Forbearance, despite of my situation. 

I do not know if due to CoVID-19 the payoff was not processed in time, USPS or other delivery methods delay due to the Pandemic. 

However, I do know it was to no direct fault of my own. 

I appreciate your swift assistance on this matter.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I sent the follow letters to Experian, XXXX and XXXX XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 15 USC 6802 and 16 CFR 313.7 XXXX XXXX I am also requesting the following companies stop reporting to any consumer reporting agencies on my behalf immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-06-21
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: DISCOVER BANK (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below on my Discover Account # XXXX XX/XX/XXXX - 30 Day Late : XX/XX/XXXX - 30 Day Late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America has the wrong social security number on my account # : XXXX. XXXX is not my social security number. I want Bank of America to update their records with my correct social security number and date of birth which is : Date of birth :XX/XX/XXXX SSN : XXXX.
Consumer complaint received 2018-06-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (UT)

XX/XX/XXXX, my wife, who normally takes care of all household finances, was XXXX and was diagnosed with XXXX XXXX, which made her very ill for the duration of her XXXX. During this time, most of our bills were set up on automatic payments, but this Mortgage, in my name only, was unfortunately not. I take full responsibility here, I had the ability to pay, but with a sick wife and then a new XXXX at home, I fell behind on my payments. 

I have since caught up and will be making regular payments moving forward. I have been very happy with the service, but realize I was not the ideal customer and have made mistakes with the handling of the account. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/XXXX. 

I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement. I was, however, hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports. I have already contacted the Mortgage Company was told that they won't do a good will adjustment, nor are they willing to help me fix the credit history. 

Wells Fargo has also continually lied about my account status. In XX/XX/XXXX, a rep there told me I was able to make my next Payment in XX/XX/XXXX, but when I went to make the payment I was told my house had been put in foreclosure.
Consumer complaint received 2018-06-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (AL)

On XX/XX/2018 american medical collection agency called at XXXXXXXX XXXX I called them back at XXXXXXXX XXXX discussed account stated my spouse would be calling to pay the debt. I was told by the man on the phone ( didn't get his name because he kept talking so fast couldn't understand and was currently at work ) that my account would be put in a protected status for 7 days for my spouse to have time to pay. second call from the same company came at XXXXXXXX XXXX about the SAME acct. when my spouse called to pay as I stated she would she questioned their business practices as she also works in collections and knows that I had already addressed the payment so why was there a SECOND call in the SAME day. They said I hadn't auth her to speak to them EVEN though I stated she would be calling and they didn't ask for any further information. She asked to speak to a supervisor who then stated the same thing no auth to speak to her because what she wanted to speak about was the TWO calls in the same day on the SAME matter. I have a copy of the call log if needed
Consumer complaint received 2020-07-16
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 (CA)

I purchased some items from XXXX and paid with my XXXX XXXX Credit card through Paypal. The items came up to XXXX in total. The items was supposed to be delivered in different boxes by XXXX  and XXXX. The box that was supposed to be delivered by XXXX was left outside by the door and or misdelivered. I never seen the items in that box that amounted to XXXX The rest of the items was delivered to me successfully. I then called XXXX spoke to XXXX and she credit me in the amount of XXXX for some of the items in that box but not all. She could not refund me the full amount of what was in the missing box because " There is a certain Limit of what she can refund '' she suggested I called my credit card company and file a dispute. I called XXXX XXXX and asked them to chargeback XXXX only for the items I did not receive I had already included the XXXX refund from the XXXX. There was a item that i received from the other part of the shipment that I returned to XXXX and received XXXX refund. That refund was also not included in the chargeback. A few months later I get a email from paypal that because of the chargeback I initiated I was double credited in the amount of XXXX and that paypal would limit my account until I paid amount to remove that limit from my account. I had a hard time calling paypal because of the pandemic, So I sent online messages and uploaded correspondence to paypal trying to show them that I indeed did not owe XXXX. I called on XX/XX/XXXX and got a response that the amount owed was sent to paypal internal collections. I again sent statements proving to paypal that XXXX XXXX only charged back XXXX and not the full XXXX. They finally closed my account today and claim I still owe paypal XXXX XXXX. I can no longer send them a message in regards to my account or balance or use the account.
Consumer complaint received 2018-06-21
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. (FL)

This compliant is against Experian and XXXX XXXX  XXXX ( XXXX ) XXXX is reporting 5 accounts on my Experian account that I have no knowledge of. I have contacted both companies and neither company has provide me with the information to identify the outstanding balance and that the account are mines. Experian has continues to ignore my request. They stated off by saying my letters looked suspicious, I called and let them know that I wanted the account disputed. Now they are telling me they would not re-investigate without proof. How can I prove an item is not mines. What prove will I have. This doesn't make any sense to me. If they say the account have been verified, how was it verified. What information was provided. I have requested documentation from XXXX and all they provide was a list of the accounts. 

XXXX and XXXX has remove the account because XXXX didn't verify the account but Experian is claiming the account were verified. 

I feel that Experian feels I am working with a credit report company and is not taking my request serious. i have researched and know my rights.