davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-27
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (MA)

In XXXX 2015, I purchased a small welding machine online through Paypal. I remember typing in personal information including my last name, email, address, social, and credit card info. A few weeks later the tool I bought was delivered to my house. XX/XX/XXXX, I received an statement from Paypal Credit through my email stating that I owed money to them for this tool. At this point I have never even heard of Paypal Credit, and I was sure I already paid for this tool. 

Immediately, I pulled up all of my past credit card statements looking for the transaction I was sure I made back in XX/XX/XXXX with Paypal. I found nothing. To my surprise I came to the conclusion that my credit card was never charged back in XX/XX/XXXX. Next, I decided to call up Paypal customer service to straighten out this situation. I learned that I was somehow signed up for Paypal Credit which was a complete mistake. I was deceived and tricked into signing up for this service. I would never sign up for Paypal Credit. At the time I was certain I was signing up for a new Paypal account to buy this tool. 

On XXXX/XXXX/15, I sent PayPal Credit a check for the price of the tool which was {$250.00}, I refused to pay {$140.00} they claimed I owed in late fees and interest charges. 

I do not buy anything on credit, I pay off my statements monthly. I have sent XXXX separate letters to their headquarters, and my wife, daughter, and I have made several phone calls to them. They give us the 'run-around ' every single time and now my fees are up to {$220.00}. Please help me.
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NE)

I fell behind on payments late XXXX and went through loss mitigation. Thankfully, I was allowed a modified mortgage in XXXX XXXX, made my 3 trial payments but the modification documents were not finalized until XXXX XXXX. I have made mortgage payments in accordance to the loan modification agreement for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Some payments during that time were returned to my bank by the mortgage company for various reasons, resulting in my having to pay the bill by phone to ensure acceptance. The mortgage company is also falsely reporting on my credit report, stating that we are more than a year delinquent! 
Meanwhile, I had been receiving mortgage statements that had not reflected my payments. When I started to receive phone calls and letters from the mortgage company stating that I was behind on payments, I always called and talked to numerous agents who always assured me my account was fine and not going into foreclosure. I even called for verification after receiving the HUD letter, loss mitigation packet, and a letter from a local attorney stating the mortgage company was foreclosing. I was again reassured that my payments had been processed and my account was not going into foreclosure. 
This week I was served a summons from the local sheriff that stated the mortgage company was moving forward with the foreclosure. I called my mortgage company, very upset and was ensured a call back within one business day. I have yet to receive a call back from the mortgage company. I finally talked to many agents from the mortgage company this morning, stating that the information has been handed off to a supervisor to discuss with foreclosure department. I can no longer accept a verbal reassurance from the mortgage company that this problem has been resolved, and am looking for some sort of document as proof.
Consumer complaint received 2016-08-27
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seterus, Inc. (IL)

I negotiated a Deed in Lieu of Foreclosure with XXXX on XXXX for my property with XXXX XXXX XXXX handling the Deed in Lieu of Foreclosure ( DIL ) paperwork and completing the agreement as the law firm representing the mortgage company. Several months ago, a company called Seterus Inc. started sending me overdue mortgage collections notices for the property I had discharged in the DIL proceedings 4 years earlier. They also knocked my credit rating down over XXXX points by incorrectly reporting that I was over 180 days delinquent in paying my mortgage. They requested paperwork on the DIL agreement which has been sent 3 times now and they still continue to harass me by sending several collections requests per week via mail and continue to call me regarding this mortgage that we discharged in a DIL agreement over 4 years ago.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I have disputed this account multiple times with all the bureaus and XXXX its self. I have not received any kind of response concerning this account. The account is reporting as a collection with a balance that is not correct. This account was paid by another cellular company when I switched out contracts.
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (VA)

The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access (to my credit file XXXX ***********) has been given in writing. No validation of Debts has been given at all XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries ASAP
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

My brother 's mortgage has been on my Experian report for some time now, efforts to reach experian via phone end up with me hanging up in frustration because I can never get to a live person to find out what i need to send in to fix the issue. This has caused several attempts at applying for debt consolidation loans to be declined because of this inaccurate reporting.
Consumer complaint received 2016-07-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WI)

I recently opened a Citibank CitiGold Checking Account that was advertised to have a signup bonus of XXXX AAdvantage points upon the completion of two consecutive bill payments and {$1000.00} in debit card purchases. After signing up with the intent to complete these requirements a Citibank representative confirmed that the offer applied to my new account and that I should complete the offer requirements. This confirmation was communicated via their online secure message feature, and I have attached a copy for reference. 

Once I completed the requirements as directed I inquired about the expected delivery date of the earned bonus via secure message and I was told that my account was not targeted and that I would not receive the bonus as promised. This conflicts with what I was previously told and I have already spent a considerable amount of time to meet the requirements as directed. 

Upon receiving this news I insisted that Citibank had confirmed my eligibility and that my case be escalated to ensure that my bonus be credited to my account. Citibank was not willing to escalate the issue and simple replied with the same response already provided. After multiple messages were exchanged in which Citibank would not resolve the issue, I have decided that the next step toward resolution is to file a complaint with the CFPB.
Consumer complaint received 2017-05-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (UT)

Fed loan servicing is reporting  XXXX  day lates   XXXX   on  XXXX  loans! I have not been late I have been paying over {$1800.00} a month and never missed a payment!
Consumer complaint received 2017-10-13
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. (GA)

On XXXX XXXX, XXXX I called creditors in regards to some inquiries that were showing on my credit file. I called and spoke with XXXX at XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX and XXXX at XXXX XXXX. And all have basically stated that I have no account for them to send anything to credit bureaus. For me to contact creditor bureaus to have inquiries removed. I explained that credit bureaus instructed me to call creditors for some sort of proof that they are giving permission to remove inquiries. I also called XXXX and left voicemails with XXXX XXXX, and left voicemails at XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX with no return phone calls.
Consumer complaint received 2023-02-08
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. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have a home Mortgage from Nationstar Mortgage, on the first day of the month I will receive a call from one their employee asking me when I will pay my mortgage. Most months I pay my mortgage on the XXXX day of the month on other months it may on the XXXX day, but I always pay ontime. I would like for Nationstar Mortgage to stop calling me unless my payment reaches them after the XXXX of the month. The calls are very condescending and the calls come when I am in meetings, they do n't seem to care when they shame me. Thanks
Consumer complaint received 2017-10-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

I took out multiple loans over the course of my 4 year college education. I had no idea how predatory these loans were and the harm I was doing to myself in the long term. When I graduated I owed {$32000.00} between different subsidized and unsubsidized loans. Not knowing what I was doing or what I had set myself up for I defaulted on all my loans and eventually owed over {$63000.00}. I was put on a rehabilitation program and after a lot of time and money, I have my loans down to {$41000.00}. Navient provided no assistance throughout this process and I 'm currently on an income based repayment plan because of a third party company. For years my payment was about {$210.00} and my interest monthly was {$180.00}. I was throwing pennies at this mountain of debt with no end in my lifetime. I imagine this dark cloud of debt hanging over me for the rest of my life. 6 years after graduating college in XXXX, I owe nearly {$10000.00} more than I did.
Consumer complaint received 2023-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

The current status of my loans and the transfer of my loan to another provider, Nelnet, is unlawful, per the XXXX XXXX XXXX. I will report Nelnet and their XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to the FTC if this is not resolved.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MA)

After the statute of limitations ran on an old XXXX store account, Equifax started reporting a duplicate account thus showing I defaulted on XXXX, not just XXXX. I disputed it with Equifax. They concluded their investigation by saying credit granter verified the information ( but not on which account ) and to call Credit Granter for more information. I called XXXX at the number Equifax provided and they told me that the account had been sold and that their not reporting the duplicate account to Equifax.
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (OH)

I have a a unverified account from AFNI. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CA)

Credit cards/store cards were opened in my name and birth date with a social security number that is not mine. These accounts have been reported to  XXXX   XXXX   XXXX  in which are harming my credit. I have disputed these account 8 times and  XXXX  a long with these companies have yet to do the right thing and remove these fraudulent accounts off my credit file.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I continue to have problems financing and my  FICA score i s continually low way under  XXXX . They have my grandfathers information even though we have separate ss numbers, and a different middle name. They have old and outdated information which after corrected reappears. While they will give me a report I can not download it for review, print it or anything. It takes weeks to get a copy meanwhile my finances are impacted. Wrong information is of course shared between all three credit bureaus and none evidently care what is posted correct or otherwise.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NY)

My Mortg age Loan is serviced by Selene Finance. I am trying to pay it off, borrowing money from friends and family. Selene Finance sent me a Pay Off Figure ( {$470000.00} ) valid up to   XXXX   XXXX . But I could not arrange the full pay off at that time and paid almost 50 %  ( {$220000.00} ) of t hat figure.   Now I am trying to arrange the balance amount again from friends and relatives and requested a new Pay Off. They gave me a new Pay O ff ( {$270000.00} ) valid  up to  XXXX   XXXX . This Pay Off figure is wrong an d Selene Finance is ove rcharging me by {$8800.00}, as shown in the attached calculation.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX, I called XXXX to pay all balances in full through phone, and the XXXX representative agreed and confirmed that the account was CURRENT. Then, I requested the account to be closed. 

Upon checking my annual credit report on XX/XX/XXXX from the XXXX credit reporting agencies : XXXX, Equifax, and XXXX, I have found that my credit reports showed my closed XXXX account was " 30 days past due ''. 

On XX/XX/XXXX, I wrote a letter to XXXX and requested an investigation to resolve the issue. In the letter, I provided XXXX with full name and account number. 

On XX/XX/XXXX, XXXX wrote me a letter to request me to send XXXX the full card number which I did not have because I already destroyed the card when I closed the account. 

On XX/XX/XXXX, I wrote a letter to XXXX to explain them that I no longer possessed the card and therefore was unable to provide the card number. However, I gave them my social security number and date of birth including the full account number, and requested XXXX to investigate. 

On XX/XX/XXXX, XXXX responded in a letter stating " Our records indicate that the information appearing on your credit report is correct '' without providing any physical evidence and detail how XXXX came to that conclusion. 

I do not agree XXXX conclusion without providing any physical evidence to prove that the payment was late in XX/XX/XXXX. Furthermore, I do not agree with XXXX tactics to delay the investigation by requesting the information that was already provided such as account number. 

Since XXXX is not able to provide any physical evidence that the payment was late in XX/XX/XXXX, I request XXXX to notify the XXXX credit reporting agencies : XXXX, Equifax, and XXXX to remove or delete the negative item on my credit report.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I went to check my credit report on XX/XX/2017 and I notice that they were showing my chapter XXXX bankruptcy. The information that is on my credit report was pulled from a third-party reporting agency. The clerk of court of XXXX County told me that they do not report public information to the credit agency. Therefore this information needs to be deleted from all of the credit reporting agencies.
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (IL)

This is formal complaint to express my disappointment with the lack of service provided to me from Chase Credit Card Services after explaining the following complaint with a merchant. 
Merchant : XXXX XXXX XXXX XXXXOn XXXX -- I held my son 's XXXX party with the merchant listed about. The complaint is as followed : A written statement was sent to inform merchant of my negative/positive experience with the food and services that I paid for on XXXX. First the food was great, however, I am very disappointed in the level of service that was provided. Per the contract, the staff was to look after my party and refill buffet food accordingly especially when XXXX XXXX imposes a mandatory 20 % gratuity/Service charge, I expected the service to be great and up to par. Unfortunately, the initial service by the staff was unsatisfactory and was not meet per the contract. Listed below is a quick summary as to why : -- - The waitresses at the beginning were not attentive to my guess -- drink service and refills! Staff did not notify my wife or me when the food was ready so we were not able to inform our guests that they could serve themselves My guests made their own decision as to attending the buffet which is unacceptable. 

-- - Merchant informed us per the contract that someone was going to be alert and keep an eye on the food so when food was running low more food would be put out. We ran out of the XXXX more than XXXX and it took almost XXXX minutes for them to be replenish. -- -unacceptable. brench of contract -- - Also at the beginning when we first arrived the waitress introduce herself and stated that she was going to be with our party, but when we were ready to order some pitchers of beer and our guest trying to obtain refills they were nowhere to be found. This was frustrating to my guests and embarrassing to me. At the end the waitresses were there and they were doing their job and even help cut the cake, but by this time the negative experience outweighed the positive XXXX. 

Overall our experience was OK, if XXXX is going to implement a mandated 20 % gratuity/service charge we expect 100 % service not 80 % not 70 %. At a minimum I would expect some type of adjustment to the fee/tip. Again, the food was great, but the initial service was unsatisfactory which made my husband very unhappy and was embarrassed by the actions occurred. 

Respectfully,
Consumer complaint received 2016-11-14
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I went in to make a partial payment to pay down my loan and was told that I was not able to make partial payment, I could only give them funds if I made the payment in full. I 've never taken out a loan where they would n't accept my money unless I had all of it at once. They 're already charging a ridiculous interest rate, why penalize me even further by not accepting my funds? How is this legal?
Consumer complaint received 2016-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ERC (AZ)

In the matter of : XXXX XXXX XXXX Chapter XXXX Bankruptcy Case No. XXXX Discharge Date : XXXX XXXX, 2014 After reviewing my credit report I have found information, which needs corrected. ERC is illegally reporting a collection on my credit report due to the account being discharged in my Chapter XXXX bankruptcy. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report. I am also enclosing a copy of my discharge of debtor form following completion of my Chapter XXXX bankruptcy, discharged on XXXX XXXX, 2014. 

The account ERC is illegally attempting to collect on is as follows : XXXX XXXX XXXX. XXXX XXXX, IL XXXX Amount of dispute - {$240.00} Reference # XXXX Collection attempts on a discharged debt is a violation of the FCRA and a violation of the permanent injunction of my discharge. I am requesting that the item be deleted to correct the information. Thank you for your assistance with this matter. 
Here is the contact information for my bankruptcy lawyer XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Arizona XXXX XXXX : XXXX Fax : XXXX
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (TX)

I am filing a complaint on ERC that has added a collection to my credit report on a debt that is more than 8 years old and should be deleted from my credit record once and for all. This account was with XXXX in 2007 then with XXXX that is logged several kinds of ways on reports to camouflage them selves this account must be delete from my credit report. Credit reports provided as proof.