davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (VA)

I contacted the Credit Bureau, requesting validation of the Bankruptcy, because I did not file a bankruptcy. I was sent back a credit report stating that the bankruptcy had been verified by the Federal Bankruptcy Court ( but no documentation to support that ) and if I had questions to contact the Bankruptcy Court at the address listed on my Credit Report. I sent a letter to the Bankruptcy Court requesting they 're procedure for verifying information with the Credit Bureaus and they sent me a letter back stating that they do not report to any of the Credit Bureaus.
Consumer complaint received 2016-10-06
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Incomm Holdings Inc. (NY)

I purchased a {$500.00} XXXX prepaid card issued by ITC Financial. The card was destroyed and I have requested a refund or replacement. I have been told that such request is not possible. I do not find this acceptable as I have the number for the card, the original purchase receipt and can confirm that as I know for a fact it was destroyed it has not been otherwise used or claimed.
Consumer complaint received 2015-06-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (MD)

My account was overdrawn, however I made a return to a store. When I checked my account to see if the credit had posted, I found that Suntrust had applied an extended overdraft fee. This fee XXXX the amount of {$36.00} if the account is overdrawn more than a week. This seems like a predatory practice, most people are paid bi-weekly. I have been a customer of Suntrust bank since 2010, and have direct deposit set up on my account. 
I went to the bank to speak with a representative and let him see the copy of my credit from the store. He said that it was pending, but he could not make the decision to issue a refund of the fee as a courtesy. He would email his manager, and his manager would make a decision upon his return. XXXX days later, the manager, XXXX XXXX, called me and informed me that because of my returned item ( an insurance check that automatically is paid from my account ), the overdraft was my fault and the bank was right in charging me the fees. He rudely hung up the phone as I tried to discuss my concerns. To have an extended overdraft fee is an excessive fee, which makes it more difficult for consumers to gain financial stability. My account was overdrawn by {$11.00}, I was charged a returned item fee of {$36.00}, then an additional extended overdraft fee of {$36.00}. 

This practice should not continue, and Suntrust should issue refunds of the extended overdraft fees.
Consumer complaint received 2015-08-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PACIFIC WESTERN BANK (CA)

My bank is Pacific Western Bank at www.pacificwesternbank.com. I am in dispute over {$1200.00} in unauthorized debits from my account, which the bank refuses to recognize, as they will only initiate the dispute is its 60 days or less. I only recognized when my account went into the negative. I want all fraudulent charges disputed nd all funds returned, including any and all NSF or Overdraft fees since the first unauthorized charge/debit occurred. My name is XXXX XXXX XXXX at XXXX CA. XXXX.
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

I have never lived at the address where XXXX authorized an account to be opened which apparently used my social security number. I have lived at my current address for 13years straight. The services that I had with XXXX was at my current address and was paid in full and cancelled and all merchandise returned. I spoke to them over the phone and was told on yes we see your account was closed and current and a refund mailed when closed we will take care of. Now this {$920.00} balance is showing under my social and the address they have is not mine. I currently have XXXX cable services
Consumer complaint received 2015-07-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC (MD)

The collection agency has received information from a dentist regarding an outstanding debt which does not belong to me.The collection agency was notified by me through an email, that the debt instead is owed by my son.Their response was the debt will be reduced, however, it does not address the fact that the debt is not mine and I did not cosign anything.The dentist office says its in the hands of the collection agency.
Consumer complaint received 2016-10-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT CALLERS INC (CA)

This company is posing as a debt collector and phishing for personal information. They called and asked me for my address and last XXXX digits of my social. When I refused and asked them who they are, they hung up on me. If it was a legitimate debt collector they would have that information or would be willing to answer my questions. 

CCI Contract Callers Inc. 
XXXX, GA XXXX
Consumer complaint received 2016-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (MO)

In 2014 I was in the process of signing a lease for an apartment complex. I was instructed to have gas service activated and show proof of receipt for the application process to be completed. My spouse paid the balance of {$110.00} in full and recieved a reciept for the paid account. This account has been paid for a significant amount of time and suddenly appears incorrectly on my credit report as a debt collection. Company is trying to claim several forms of payment.I have tried contacting Contract Callers Inc, and they do not have any documentation regarding validity of this debt.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXXXXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 602. A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reachable cause to believe that the information is inaccurate.
Consumer complaint received 2016-09-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (WV)

I obtained several loans through Sallie Mae to help pay for school, XXXX to be exact. The time is coming for repayment, I received a statement of what I would have to pay ( it was an outrageous amount ), so my grandmother kindly helped me and paid for two months, around {$660.00} total. It turns out that Sallie Mae did not apply that amount evenly to all the loans and XXXX of them became outstanding. I have called several times to have this issue fixed and it is STILL outstanding. Now they are lowering my credit score due to this issue that is completely THEIR fault. Additionally, they are also unwilling to work with me for a payment plan that I can actually pay. They also will not stop calling my poor grandmother due to this " outstanding '' loan.
Consumer complaint received 2016-12-07
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: VEROS CREDIT, LLC. (CA)

I have paid over XXXX on my used car. i was late one month and asked for help. They were the worst people to work with. They were so disrespectful to the point I did not want the car no more due to their disrespect and unprofessional people so I surrendered my car to them. They started harassing not just myself but my co-workers as well. I asked them to email me to have history and they refuse. i even emailed a supervisor and he forward it to someone else and put " FYI-LOL '' which they forgot to delete before emailing me so i seen it. Not professional at all! I need help before i get written up at work for their distractions. Please let me know if i can do anything. They also faxed over a verification of position paper to our office with my signature that I did NOT sign and looks like it an auto copy.
Consumer complaint received 2015-05-22
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I was contacted by this company who is threatening to sue me. So i entered into an agreement to repay the debt. I was sent an email of a letter after i asked that a physical copy be mailed to me. i then noticed small typos and XXXX XXXX address only a XXXX XXXX XXXX However i was unsure of the laws, and felt a little uneasy so I checked my credit report and I did not see the debt they are attempting to collect so I assumed it had been charged off or was too old to be collected. After trying to research the company I am now afraid that they may not be legitimate and maybe be trying to collect money from me for fraudulent purposes.
Consumer complaint received 2023-02-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NM)

I applied for a mortgage with XXXX XXXX XXXX, a bank both my mother XXXX XXXX and I have been a customer of for over 20 years. 
XXXX XXXX XXXXXXXX told me that they " can not stop me from applying '' but after my credit was pulled in connection with a mortgage application, I got no information as to how much I qualify for. I was told by the last loan officer who spoke with the manager, and he told me that I do not qualify for anything because I owe a debt that was not disclosed to me. I had requested through CFPB to know about the loan since XXXX and earlier, and I got a response from XXXX XXXX XXXXXXXX that " I am an unauthorized third party " and I do not have permission from the clients who actually took the loan out to know anything at all. ( attached ) I also contacted Nationstar ( mr cooper ) and they told me that the loan is XXXX. But that I am an unauthorized third party and I can not have access to the information. 
Both banks took my mother 's cash through an entity called XXXX XXXX about XXXX dollars CASH and how come the note went from XXXX to XXXX after paying more than XXXX cash? 
We went to the XXXX XXXX  and they told us that they had sent money to both banks, XXXX XXXX XXXX and nationstar and that the money was paid according to a real estate contract filed in XXXX XXXX XXXX clerk in XXXX. 
That the banks attorney wants to sell our house keep my mothers furniture, house and retirement for the debt of others because the banks kept on writing checks for their clients XXXX XXXX and XXXX XXXX since XXXX when the prior owners bought the house for XXXX. Since then both banks have written checks until recently of XXXX to the order of their clients and for an undisclosed amount but now the banks want to cash in all the discharged loans on the monetary equity of the house. we contacted the attorney and he sent us some paperwork redacted that is old of a note XXXX XXXX payments ago. The bank got our cash from my mom and I, and mom was put in the rec because my income in XXXX was not enough to pay the XXXX monthly payment that the real estatte contract was based off. My income now can pay the mortgage but the banks inflated the mortgage to match the equity on the house after we paid about XXXX cash to both XXXX XXXX XXXXXXXX and natiosntar.
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I have a bunch of private loans that I have been paying to XXXX and then to Navient since I graduated. All loans were taken out pretty much on a year basis. Now that I am repaying them I have yet to see my balance go down at all ( 8 years later ). My interest rates keep increasing. When I called I was told to enter the Forbearance program and even deferments. However, no one told me there would be interest and my payments would get even higher. In addition, they had processed a few payments over the years incorrectly and then charged me with " late fees '' and other fees added on top of my loan. I am currently paying {$860.00} a month. When I asked if I could release my co-signer they said no. No information on the process. I also got into a car accident in XXXX and XXXX with a doctors letter and received a handicap sticker for my car until XXXX. I was given no breaks in terms of paying my loan. If I did not pay, then they told me they were coming after everything I owed and my co-signer. So I continued to either stress to pay or enter in a forbearance. I was never explained the full details of entering into a " Private Loan ( s ) '' at the age of XXXX and never told that even your deferments/forbearance could run out. Which apparently mine has. They told me I am ineligible for anything else to help me and my situation. My dad had XXXX of the past year and I still had to come up with the payments. I have had my credit tarnished for years and they continued to raise my payments causing me to have to get behind a little but ALWAYS paying. I was told my loan because its a bunch of private loans can not be lowered and can go as high as {$2000.00} a month. Something I will not be able to afford. I did n't even know about the " Income Driven Repayment '' plan as they told me only what was available for private loans. I have n't seen my loan decrease since I got out of school yet my payments keep going up. At this rate I have another almost 25 years ( be in my XXXX ) until its paid off. I am complaining as I was not accurately informed of all of the above and then by the time they " changed their system '' and started informing you I was already out of options left to pay the full payment per month on auto-pay. Saving me nothing. I was also told I could not consolidate and nothing about forgiveness. I feel like I was lied to about all of the above and I want to know why my payments are not bringing my loan down.
Consumer complaint received 2017-01-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

I took out a student loan at XXXX XXXX. The school went under but I was still at that point obligated under the loan. I ended up filing a Chapter XXXX Bankruptcy and received a discharge with the understanding that I would still be responsible for this loan. After the filing of the bankruptcy they refused to talk to me and reassigned the loan to my ex-wife who was co-signor on the loan. The student loan company has refused not only to talk to me ( because they claim I do n't have a loan with them ) but they also will not accept a payment. As this is my obligation my ex-wife could attempt to hold me in contempt of court. I am trying to figure out how I can pay my loan. The Credit Provider is Navient. I have on several occasion attempted to talk to them about this and there has been no resolution.
Consumer complaint received 2016-07-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CL Holdings LLC (CA)

I filed Bankruptcy in XX/XX/XXXX while going through a divorce. The bankruptcy was discharged in XX/XX/XXXX. The debt is with XXXX XXXX collecting for XXXX XXXX. The open date is XXXX/XXXX/XXXX. The re-aged and sold the debt to this collection company after my bankruptcy like must creditors think they can get away with doung this to consumers. I review my credit every three months. This XXXX debt was list on my XXXX in bankruptcy. I keep disputing this tradeline with all XXXX repositories. XXXX keeps selling the debt trying to collect. I need this account deleted. I do n't owe this debt.
Consumer complaint received 2016-10-28
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Nations Recovery Center (CT)

You do n't really have a category for what my complaint is. I have a payment arrangement with a debt collector and have been paying what I said I could since XX/XX/2016. Since XX/XX/XXXX things in my home/personal life have changed and I have not been able to come up with the full amount and asked for a new arrangement until tax time when I hope to pay off the balance due. I want to continue paying something but they 're not willing to work with me. My account manager with an attitude let me do a lower payment in XX/XX/XXXX and XX/XX/XXXX but told me she wo n't do it again. I find her to have an attitude and I just do n't like her. The guy ( XXXX XXXX? ) who I had originally set up the arrangement with and that is his job from what I understand since his voice mail states that that 's what he does keeps transferring me to her even when I state that I want to talk to him. I 'm stuck and frustrated and not sure if you guys can help me but I thought I would give it a try.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I visited XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, on XXXX XXXX, 2020. I test drove two cars and was given a quote on one. The dealership had a copy of my driver 's license but I did not give them my SSN. I did not indicate that I wanted to buy or lease a car from them, though they asked me to do so. I did not fill out any paper work. I did not want at any time to buy or lease a car from the dealership and never said I would do so. 

On XX/XX/XXXX I got a notice from XXXX that on XXXX XXXX, 2020, XXXX XXXX of XXXX had run a credit report on me. I looked on the XXXX website and verified that XXXX XXXX had made a " new inquiry. '' I never gave them permission or gave them any information that would have permitted that. Their sales manager, when I called him on XX/XX/XXXX, denied they had done anything but copied my driver 's license and had not run my credit. But of course they had. I called XXXX XXXX, which claims their dealers are independent and I need to deal with the dealer. Absurd. response. i told them they have a dealer agreement which for sure requires their dealers to obey the law. and they should enforce it. 

I am filing this complaint that my credit was accessed without my authorization by XXXX XXXX in XXXX XXXX and that XXXX XXXX is responsible for the unlawful action of its dealer. Also at fault are my salesman and his manager.
Consumer complaint received 2016-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (GA)

XXXX charged off a huge cell phone bill that I have disputed for over 3 years to XXXX collection agencies. Initially, XXXX sent this disputed, unresolved balance to Jefferson Capital. Jefferson Capital accepted a proposed settlement in the amount of {$1000.00} because this is the amount I felt I owed for breaking the contract. Instantly, I paid {$500.00} and agreed to pay remainder {$500.00} over a 60 day period in which Jefferson Capital agreed. I called Jefferson Capital, LLC back and they informed me they no longer serviced the debt. I suddenly contacted XXXX recovery department but was either disconnected or hung up on several times when attempted to speak with someone for several weeks. Starting the last week on XXXX, 2016, I started receiving many calls from XXXX ( XXXX collection agency ) who said they represented XXXX. They said they had received several complaints from customers stating they already had payment arrangement with another XXXX collection agency but regardless, they could not work with an amount agreed upon by former, Jefferson Capital, LLC. They refused my proposal of remainder {$500.00} and persistent on a set amount. I again tried to reach out for help from XXXX. XXXX refuses to discuss this with me although they are reporting derogatory on my credit. This need to be cleared up XXXX. Why wo n't a creditor like XXXX discuss balance with me and they are reporting on my credit? XXXX has ruined my credit.
Consumer complaint received 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OR)

All my payments I have been making since 2007 and prior with XXXX XXXX are not being posted to my account so the balance has never gone down. Per my account history print out nothing is posted to the principal.
Consumer complaint received 2023-02-06
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 ()

Last XX/XX/XXXX, I recieved an email from PayPal that my account was banned and permanently limited. That email says I violated the user agreement and accepted used policy of their company such as involving in illegal activities like gambling and lottery tickets with prize and fees and others. 

But I did not violate that policy as I am a financial adviser online who receives only payments from my clients and some from my friends. I never do such gambling or any other illegal activities like PayPal says and accused me of. 

I have my transaction history from my account showing my activities and all of money transactions that I have done since I created my account as a proof that I never received money from an illegal platform and from gambling. 


Few months ago I tried " online XXXX XXXX  '' app as my extra income it is a legit app where in they pay their users for watching adds. And I think this is legit and legal as this app is not a gambling sites and doesn't have any fees even single cents. They earn money from the adds that their users are watching and they share their profits to their users as payment. 

I hope PayPal understand it and give me a second chance to review and restore my account.

It's okay to me if PayPal hold my balances for 7days-21days because I understand that they need to be more careful in every transactions and need to verify it, but putting a permanent limitations in my personal account is so much as I didn't violate any PayPal rules. Maybe it is a system error or something but I hope I restored my account as soon as possible.