davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-17
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (NY)

I have an account with PayPal and have funded it with cash for various purchases and other account activities. PayPal has locked my account due to the fact I transferred money from my PayPal account to my bank account. I currently have {$3000.00} in this account and PayPal is telling me they wo n't refund it to me for 180 days which is unfair and poses a hardship to me.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

There is a Lien indicated on my credit report. Case/Docket # XXXX NEW JERSEY {$22000.00} Date filed XX/XX/2015. There should be additional information listed indicating that there is a formal payment plan in place and I am paying as agreed.
Consumer complaint received 2016-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (CA)

Recently I contacted the XXXX credit bureaus XXXX, XXXX, XXXX requesting my annual credit report and I realize that the company named ERC with address XXXX XXXX XXXX, XXXX, FL XXXX .And I realized that this company is trying to collect XXXX dollars in the name of XXXX XXXX Where I did not time authorized XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including ERC. Therefore I need ERC to erase my information from their records and stop trying to collect the amount of XXXX dollars, since I never signed any contract with them, where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see myself in the obligation to take legal action, since in the past I was a victim of identity theft
Consumer complaint received 2015-10-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services (OH)

When beginning my college career at XXXX XXXX University, I had a federal loan. My second year I had missed a deadline and had to get a private loan. I came across ACS and they were willing to help me. I ended up using them throughout my years at XXXX from XXXX to XXXX and it was great. They recommended deferments etc. when I finished as I was not making a lot of money. Once I was no longer able to do push back any further, the nightmare began. I told them I could not pay what they wanted at the time and wanted to give them as much as I could. I even sent them my pay stub! Anything I could do to show them that I was just hurting and want to pay. Customer service as ACS is ridiculous. No one is willing to talk to you. help you, and they follow up on nothing. I continued contacting them on the same issues over and over and paid everything I could. It got to a point where I wanted to get a lawyer to help me. After hearing no response from ACS at all and just paying what I could on their ridiculous payments, fees, interest rates ... I receive a court letter claiming ACS is suing me. I had the opportunity to rebuttal and sent everything I could to the courts. All the emails between ACS and I, payments ... everything. I wish I could have the phone calls that they " record '' while attempting to speak with customer service. Well, my rebuttal to the situation was obviously denied by the judge because ACS is big business and no kid can stop them. I go to a lawyer to see my options. He says I can not file bankruptcy on private loans and I should just pay them! Not to mention this whole time while making payments and fighting with them I am being assessed a ton of fees on XXXX separate loans from them. So, finally we reach a point where we settle on a payment starting XXXX XXXX at {$210.00}. That 's great except it is all going to late fees and interest. Then XXXX XXXX they raise it to {$310.00} and that is all going to interest now. I ask them why it went up and all they can say is that that 's just how it is. I have {$170.00} TOTAL paid to my principal. Now today as we speak I have not missed a payment since we agreed to this settled payment amount ( well that lasted 1 year and was raised ) and now I go to schedule my payment and it is all zeroes and says " in collection ''. I am sorry if this story sounds long, jumbled, and crazy but I have been fighting with this company for so long that it really is crazy. I just feel like there is nothing I can do but sit back and get robbed with no help from anyone. These guys need to be shut down. I will tell anyone going to school do not mess with ACS. I saw consumer finance and this just seemed like a place who would listen and maybe give me a louder voice. Thanks for the great work.
Consumer complaint received 2016-10-16
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (MA)

I used a 0 % APR balance transfer offer a while ago and then later made a purchase, forgetting that the 0 % APR was just for balance transfers. My minimum payment was more than enough to pay down the purchase over a couple of months, so I assumed it would be paid off shortly. However, the minimum payment was only being applied to the lowest interest balance, not to the highest interest balance as I assumed. I talked with a customer service representative online, and they only apply amounts in excess of the minimum to the highest interest balance.
Consumer complaint received 2015-06-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NJ)

I received an email from LoanCare saying that I needed to log in to their website to update mortgage information. At the time I believed it to be a phishing attempt, as I my mortgage is currently held by XXXX XXXX, and I had never heard of LoanCare. After researching further I found they were a legitimate company and updated my insurance information online. They kicked it back saying it was incorrect, so I updated online again and then followed up with a call. I received a condescending letter today, telling me they had cancelled an insurance policy they purchased on my behalf and to make sure I kept them posted with my insurance information on an annual basis. I had never heard from my mortgage company in the first place, their subcontracted company ( who already had my insurance policy info as they were able to tell me there was an error ) requested that I update information on possibly the shadiest looking website I 've ever seen, and then purchased an insurance policy without notifying me either through email, letter, or phone call. The whole system reeks of a scam, from the intentionally sketchy webpage, to the lack of straightforward communication, to the fact that they already had my policy information ( as it did n't change ). It seems as though they are looking to take advantage of people not being proactive enough to do some research on who LoanCare actually is. Without too much speculation, I would imagine there would be some sort of financial motivation attached to them finding a policy " on my behalf ''. I would greatly appreciate if someone would look into their predatory practices.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX/ Account # XXXX $ XXXX is reporting in my credit reports Equifax \ XXXX \ XXXX as mine wrongly with a late paid and this account ise n't mine, it was prove that my account was XXXX XXXX XXXX XXXX ( account # XXXX*Good Standing $ XXXX ), when i file the problem they deleted My account and left this other account in my reports. This is a violation and defamation of my credit report. 
Please have this account removed.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

I have an account from XXXX Account number ending in XXXX in which they had issued me a XXXX ( see attached file ) and cancelled the debt. I am requesting to have the account removed from my Credit History and all Credit Reports or identified a XXXX resolved and closed account so as not to adversely affect my Credit Score. 
I can be reach via e-mail at XXXXXXXXXXXX or called at XXXX Best regards XXXX XXXX XXXX
Consumer complaint received 2017-02-06
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (PA)

I was receiving unemployment benefits via US Bank XXXX. On XXXX XXXX, I noticed a fraudulent charge of {$280.00} from a place I 'd never used. I reported it that day and was told that I would receive a form to fill out. 10 days later, I called because I had n't received the form. They sent another, which I received and sent back to them right away. On XXXX XXXX, I called to check the status of my funds being returned and XXXX at XXXX said they had n't received my form. I asked her how can I mail it so that I have a receipt next time and she said I could not. I spoke to her supervisor, XXXX XXXX, who told me the same thing. So, in effect, they can keep telling me that they never received my form and keep my money. Obviously I need my money as I am unemployed. I 'd like some help getting my funds reinstated.
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (CA)

I called DISCOVER card to pay my balance in full with the interest included. I specifically told the representative on the phone that once my bill was with interest was paid in full that I did not want to be contacted in any way, not by mail, email, or phone calls. Discover clearly did not log my request down. I also told them that " I wanted my card account closed and my credit report to state '', " account closed by the consumer and all negative and late payments removed from my credit report. '' Despite all my request to DISCOVER card I am still receiving letters in the mail stating that I own them {$150.00}. The letter balance has me paying {$7500.00} but they stated I only paid {$7400.00} in the current balance so they can continue to harass me for money and try to nickel and dime me for more money. I want the harassing letters, email, and phone calls to stop. I also told the Discover card representative to delete my personnel and bank information since my account is closed with them and there is no need to have that anymore. DISCOVER card told me that they would not only be keeping my personnel information but they well be storing it for sometime to do what ever they want to do with my info.
Consumer complaint received 2023-02-24
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. (TX)

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: U.S. BANCORP (GA)

On XXXX XXXX XXXX, US bank, opened a claim on my credit report for {$880.00}. XXXX years later they closed it and XXXX bought the account and opened a new claim on my credit report on XXXX XXXX, XXXX for the very same amount {$880.00}. It has been more than XXXX years since the initial debt was defaulted. I called XXXX to discuss this situation and i was place on an extensive hold multiple time after i have stated the facts which are : - Same amount was claimed twice on my credit report by US Bank first in XXXX which closed it out in XXXX then XXXX in XXXX. 
- Original debt was defaulted back in XXXX why opening a new claimed in XXXX as if it is a new debt?
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (VA)

I had been checking balances for XXXX of my checking accounts with BB & T and was charged XXXX over draft fees when there was still money in my account. After speaking with customer support and a branch manager, they were unable to describe to me the nature of the over-draft fees and why the math for these fees did not add up to the amount that is now posted in my account.
Consumer complaint received 2016-03-22
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (CO)

XXXX Visa Prepaid Debit Card with 1-2-3 REWARDS ( R ) Visa ( R ) Prepaid Debit Card : After using the card to process a product return from a XXXX I purchase from regularly I was told all of my money in my prepaid account was locked up and unavailable so the company could make sure the return transactions were not fraudulent. This included all my money from my paycheck in addition to the money on from the return to XXXX. The card holder agreement does n't mention anything like this so I do n't understand how they can do this.
Consumer complaint received 2016-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Troy Capital, LLC (OH)

Troy Capital LLC has placed a non validated or verified account on my Credit Report. This account XXXX Pursuant to the FDCP XXXX XXXX, I tired to get a response and I was no response back for over 30 days.
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 — Account information incorrect
Company: EQUIFAX, INC. (AL)

For the past three months, I have been trying to refinance my auto loan and was told by creditors that my DTI was too high. Thinking that my credit card balances were too high, I paid them down. Just today, XX/XX/XXXX, I tried refinancing again and was told the same thing, so I inquired further and was told that XXXX XXXX was reporting a loan with a XXXX balance and an XXXX XXXX monthly payment that started back in XXXX. This information is not true because I was on medical leave from XXXX with a IBR payment of XXXX. However, I did reenter school to complete my XXXX in late XXXX in which I am still enrolled as of today. I am using private student loans to pay for the tuition. I have never made an {$810.00} payment for a student loan, and how can a XXXX balance require an {$810.00} payment. I tried fixing the problem with XXXX XXXX about 15 minutes ago and was met with confusion by the phone tech who had a lackadaisical attitude. A form was sent to me via email asking me to reiterate the problem. I refused to fill out the form.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (CA)

Comerica Bank - XXXX XXXX XXXX, California issued me a credit card for a limit of up to XXXX without my permission. This has been going on for over a year now. I go into their bank and ask for them to cancel the card they say ok but never actually do it. I call the number on the statement and tell them what has happened and the operator puts me on hold and never comes back. I never asked for this card and have tried to get them to cancel it on four separate occasions. I am being forced to have an open account. I quit banking with them long ago because of their hard sales programs. My husband still banks there and my name is on his account, but that should not mean they have the right to force me to have a credit card with them. Help!! My cell it XXXX. XXXX XXXX
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from JPM/CHASE. I cant say this more emphatically, I have never had a JPM/CHASE account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Consumer complaint received 2016-10-12
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Selip & Stylianou, LLP (NY)

In XXXX of 2016 I turned in my leased vehicle ( leased by XXXX XXXX # XXXX ) to XXXX XXXX XXXX, XXXX. Since I turned the car in a couple of months early I had a balance of {$1700.00} left. On the day of my turning the car in my salesman and I talked to a representative of XXXX to tell them what I was doing and that XXXX was going to pay off the balance of the lease agreement. There was no problem and the transaction was given the go ahead. Lo and behold, in XXXX I started getting letters from XXXX demanding payment and threatening Collection. In XXXX I received an officious letter from SELIP & SDTYLIANOU, LLP demanding payment. Throughout all this time I had been in contact with my salesman ( XXXX XXXX XXXX XXXX ) who confirmed that XXXX had paid. In fact I am holding a copy of their cancelled check as I write this. On two occasions I have FAXED the above named company, I have called both XXXX and Selip but to no avail. I only became aware of how dire this situation is when I tried to open a Credit Card and was informed I had a severe overdue account. Hopefully, this situation can be rectified with the credit bureaus and all other entities. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Selip & Stylianou , LLP XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

The Equifax breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b , Remove late payments XXXX XXXX XXXX, XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXXXXXX, XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states.

Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Consumer complaint received 2021-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

My servicer is FedLoan Servicing. I submitted a PSLF Employer certification on XX/XX/2021 and have not received a response from FedLoan Servicing regarding the number of qualifying payments I have made towards PSLF. I sent a status update request via email on XX/XX/2021 and was told my PSLF certification was still pending.
Consumer complaint received 2016-05-31
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (TX)

im a seller on ebay so I did sold a very expensive bag to a women in California at the beginning I have to open unpay case on her since she did not make the payment she she say was sick finally she pay and next day want to cancel the payment I did it later want to pay so she did throught paypal I send the bag so 2 day later she email saying she was on vacation and she came back the package was left with the neighbor and the package was damage and the bag was not there I told her to call the police she say no because police will not do any thing that she want we try to collect from the post office she was not concerned at all and I believe she did it with the neighbor now after 1 month she turn it to paypal and they took money from my account and refund her XXXX dollars from my account so now she have the bag and my money I use paypal to pay for muy post office shipping so they can clear see the I shipping the bag they have the trcking number and everything but still give the money to her im at total loss please help me this is not right I have all the proof the I shipping to her
Consumer complaint received 2017-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (WI)

After disputing debt through XXXX, account was closed. Then reopened by being transferred to debt collector which was also submitted in court under Bankruptcy. Have not been able to communicate with them to dispute reopened account. Which is inaccurate.
Consumer complaint received 2016-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

We recently sent Di-Tech Mortgage company over XXXX dollars.They are coming by our house and constantly harassing us.They have even stooped so low to tel the young gentlemen that cuts our grass that we owe them money.We pay every month and they constantly state that we are late. 
what do I need to do to bring charges against this company?