davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fay Servicing, LLC (UT)

I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2021 that my loan had been referred to their office from Fay Servicing , LLC for collection. The letter said I had the right to dispute their claim to collect within 30 days. I sent a letter to XXXX XXXX XXXX on XX/XX/2021 disputing their claim. 
XXXX XXXX XXXX are required to validate their claim after my dispute in writing, but they never sent any verification after they received my dispute letter. I haven't heard from XXXX XXXX XXXX after I received their initial letter dated XX/XX/2021. 
A sheriff showed up on my doorstep and proceeded to post a Notice of Trustee 's Sale today on XX/XX/2021. 
They have no right to auction my home and they are breaking the law. I am in the middle of a Loss Mitigation Option application with Fay Servicing. I submitted my application and am waiting for a list of my options from Fay Servicing, my loan servicer. I am currently receiving regular statements on my mortgage from Fay Servicing and this notice of selling my home at auction is a HUGE surprise and is not valid.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (NV)

I had my XXXX deposited to my PayPal account. That was XX/XX/2021. They have since not let me withdrawal it and at first told me to wait 180 days. Its way over 180 days and Im still waiting and they told me to wait till I receive an email anytime between now and 20 years from now. I have over XXXX in my account.
Consumer complaint received 2022-04-09
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. (WI)

Reached out to all 3 bureaus multiple times for multiple months via CERTIFIED MAIL regarding unauthorized inquiries. They advised me to file an FTC report which I did. It has been months and no responses nor removals.
Consumer complaint received 2022-08-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2017-02-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NJ)

In reviewing my XXXX consolidated Loans that were taken over by Navient, I noticed that the loans stated that they were consolidated for 30 year extension. I found this hard to believe that I would agree to consolidate for this amount of time, and wanted Navient to prove this. Also, all my other loans migrated were extended to only 10-20 years ( which made more sense ). When I asked Navient to review and confirm that this information is correct, they advised that they needed to pull the migrated records from the old loan provider from their archive system. After the call, it has been over 3 weeks, and nothing has been received from Navient. I called XXXX XXXX to ask what is going on, and they said that I will need to do the investigation myself, as they do not have records in their archive. 

I am extremely worried that they have applied bad terms to the repayment of my consolidated loans. I am not sure what to do to have this properly investigated, and if it is found to be wrong, what to do to get this fixed. 

Navient have just proven themselves to be a company that is willing to scam their customers, and when asked to investigate, they are ignoring the issue. 

I want to pay back my loans, but not through fraudulent activity such as this may be.
Consumer complaint received 2017-03-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A. (IL)

I was called by a representative of XXXX ( XXXX ) XXXX, who refused to give his name. He threatened to bring a law suit against me for a long past debt from Citibank NA, that is almost 7 years old. The debt is from Maryland which has a 3 year statute of limitations. When I informed him of this, he said first that Maryland has a 5 yr statute ( which was a lie ) and claimed that my debt was only 3.5 years old. He then claimed that Maryland has a 7 year statute ( which is also a lie ). 

He claimed that no matter what, they would be filing a lawsuit in Maryland for debt collection. This has not yet happened. 

When I pointed out the law to him, and also pointed out that the debt had been settled in my opinion from a past agreement with Citibank, he threatened to call my current employer and inform them that I owe a debt. 

In retaliation they added a debt collection notice on my credit report on XX/XX/2017. They listed debt as 2 years, 4 months old ( a lie ) when it is actually almost 7 years old.
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (TN)

I deposited {$400.00} dollars in cash into my checking account using my debit card at a First Horizon ATM. The ATM malfunctioned and did not print a receipt or release my debt card. I went to the bank that following Monday and received my debit card, but I did not receive credit for the {$400.00} I deposited. I was told that there was no record of me depositing the funds ; however, the bank had possession of my debit card. I also asked to review the ATM security footage and was told that I was not allowed to see the recording. I made a dispute numerous times to no avail. I believe this ATM may be set up to keep cash deposits. There may be a scheme whereby the ATM freezes up when cash deposits of a certain amount are made. The ATM keeps the card and doesn't print a receipt. Then the card is returned and the customer is given the run around about the deposit.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: KEYCORP (WA)

I receive unemployment funds on a Key2benefits card. On XX/XX/XXXX my card was suspended as they wanted me to verify some transactions. I called and verified and was told that in order to receive a replacement card I would need to email one document showing my current address since my address on my account was updated within the last 30 days. They instructed me to email the document to XXXX. I chose to send in my current social security benefits award letter as one of the approved documents on their list was a letter from, 'ANY GOVERNMENT AGENCY ' which clearly shows my new address and is dated within the last 90 days. I sent that, a copy of my ID, a picture of me holding my ID and previously issued but now suspended Key2benefits card, a copy of my Medicare card and a copy of my social security card. Two days later they wrote back saying I was DENIED. In their denial email it again stated that I would need to send in one form of proof of address and in their own words included the statement, 'LETTER FROM ANY GOVERNMENT AGENCY. ' I resubmitted my documents and again was denied. My third attempt, I submitted the same documents as well as a letter from WA STATE PARKS issuing me a disability pass hoping they would accept this government agencies letter, Denied again. The thing is, my old address which is a po box and the address which I updated to are the SAME ADDRESS but the updated version is in the 'street format ' of my po box . This is a service offered by the post office and is what my post master instructed me to use in the event that I needed to have an item expedited or shipped from another carrier other then USPS since most companies do not ship to po box es. Key2benefits customer service has not been helpful as they continue to tell me to submit the documents and wait.
Consumer complaint received 2021-09-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

I have been unable to work since 2008, and have applied for XXXX since I first learned of what was happening to me only to surprisingly learn that while my Federal student loans have all been forgiven ( mailed at the same times ), that my XXXX private loan does n't believe I used them for school ( that 's who they mailed the check to NOT me ), that my XXXX is stopping me from working, and the latest is that they ( Navient ) would gladly help me but never received the forms, and that my XXXX paperwork can not be found and to resubmit the forms ; which sounds reasonable if I had n't done so several times already when they were XXXX, and now I wonder who has my personal medical information, if they 're worth the strength and energy ( even thinking on things wears me out at times ; typing this I feel fatigued ) to gather what they ask for again, and if it too will vanish after I mail it to them. My minimum payments have increased {$50.00} to {$120.00} because they say I 've used up what deferments I was eligible for, again I 'm unable to work which they then just remind me of how missed payments will have to negatively affect my credit/be noted as defaulted and fall on my co-signer, my co-signer fell on hard times before my medical condition even ocured and I tried to pay to get them off when I was employed, working, and paying extra to ( when I took ill and depleted my income ) be told I did n't pay enough times for them to release her and now I see that my current deferment already has $ XXXX due in interest from less than 2 months of deferred payments that resume at the beginning of next month. I try to prioritize my bills, with a now limited income coming in and plan to pay what I can when I can, but it 's hard to get to their demanded monthly amounts. ANY help would be great, thank you in advance.
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo Dealer Services File XXXX  XXXX Reported on XX/XX/XXXX This was my car loan for a XXXX XXXX. This loan was paid in full completely in XXXX. They actually mailed me a title and nobody does that unless the loan is paid in full. I do not have this car any longer -- so I could not have transferred the title unless they mailed me one. I have spoken to them directly. Car loan was paid in full. Ask them why did they mail a clear title if car was not paid in full. I do not owe them anything. This credit has been paid in full by myself the consumer. I have no knowledge where they feel debt is not paid. I just know they started calling me asking me for this money. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (TX)

I have been disputing this account for some time now with CREDIT MANAGEMENT. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MD)

In XX/XX/2017 we changed cell phone providers from XXXX to XXXX. During the 14 day return policy we switched back to XXXX and returned the phones to XXXX. After a month or two received a bill from XXXX regarding the cell phones not being returned to the XXXX XXXX store in XXXX MD. I called the store and asked them about the phones in which they proceeded to say were not returned. I asked to see the camera footage and spoke with the manager of the store who advised me that they could not let me see this video to prove that the phones were returned.I then started calling XXXX XXXX for 6 or 7 months to find out where the phones were after they told me they were investigating they never found the phones and nothing was done to the store to reprimand or make sure that corporate could see the footage. Now XXXX XXXX has sent me to collections with Enhanced Recovery for {$1300.00}. XXXX XXXX  has on record numerous calls made by me to resolve the issue after it happened and has sold the debt to enhanced recovery which is not owed. There is no bill for the acct other then the phones that were returned and were lost or misplaced by XXXX XXXX. I tried both store and corporate to get the issue resolved and still is showing on my credit report for something I did not owe and was returned.
Consumer complaint received 2019-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (IL)

I opened a complaint/claim with PayPal ( Case Id : PP XXXX ) on XX/XX/2018. The PayPal unauthorizedly pulled out a total of USD XXXX from my bank account ( XXXX XXXX Checking account ). The five unauthorized transactions happened between XX/XX/2018 and XX/XX/2018 ). Since my first complaint, I have spent many hours of phone conversations with the Paypal to resolve the issue by getting the refund the balance of USD XXXX. The Paypal did their own investigation and admitted that the transactions were frauds and identified the party in this regard. And, they agreed to refund me all the 5 transactions. 
Unfortunately, PayPal has not refunded my {$740.00} yet as of today.
Consumer complaint received 2019-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I made a payment online with XXXX  today XX/XX/XXXXfor {$25.00}. Once the recipient verified payment she immediately blocked me and did not send my service. 

I reached out to cashapp to report the recipient and ask for my funds to be returned and they told me they can not return funds and need to speak with jpmorgan Chase for a refund. 
I called Chase and they told me no they can not refund my money. 
Had I known cashapp is non refundable in the case of fraud than I could've used XXXX which is for the costumer and will at least investigate before telling the customer no. I feel both cashapp and Chase are responsible in my case. 
I want her account deleted so no one else is scammed and I want my money back
Consumer complaint received 2021-08-03
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. (MD)

i Have Spoke with Transunion for 8 months straight about fraudulent/unauthorized inquires on my report that were not authorized by me and they will not remove the inquires, i have spoken with over 20 different representatives and sent more then 9 letters and they will not remove the unauthorized inquires on my report. 

date XX/XX/XXXX1 usps tracking number XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX usps tracking number  XXXX XXXX XXXX XXXX XXXX XXXX the rest of the letters were sent by regular mail with a XXXX stamp
Consumer complaint received 2015-12-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

I try using my chase card on XXXX/XXXX/15 at a bakery department in XXXX, GA and chase stopped further transactions on my card. I called chase company to inquire about my card not working. The chase representative expressed to me, that I have made several charges. I informed the chase representative I did not use my chase card all day, until in the evening, therefore any unauthorized charges unknown are not mine. I then stated to the chase representative, the last time I used my chase card was on XXXX/XXXX/2015, at several businesses in XXXX, GA. The chase representative explained to me that he will forward my disputes to the chase claims department so they can can give me credit back on my card. Chase company strongly believes that, I used my chase card, to make those unknown transactions at places I never knew about. If I called chase about the unauthorized charges on my chase card, it is chase 's responsibility to probe and provide me with temporary credit until the investigation is done. Nevertheless, chase assumes I actually made the bizarre charges and not honoring me credit on my chase account.
Consumer complaint received 2018-05-31
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: AFNI INC. (GA)

I received notice dated XX/XX/2018. There is a company called Afni collections. I tried to email this company for proof of account, and to remove it off my credit report due to this is fraudulent. The email dress is not accepting Emils, says do not exists. It has an count number of XXXX creditor is XXXX. I looked up this and have no clue what this is.
Consumer complaint received 2019-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: URS Holding, LLC (NY)

I have received information from a debt collector about a student loan I never received. this collection agency AllTRAN EDUCATION , INC, XXXX XXXX, XXXX OK XXXX, PH : XXXX, FAX:XXXXXXXX has interrupted my Federal income tax many time for collection of this unknown debt I have incurred. I have viewed the document ( promissory note ) and the signature is not mine, but a forged signature of my name and a forged description of my social security number. The date that is stated of such signing is a date that my actual accountability can refute.
Consumer complaint received 2019-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (PA)

A Barclays Card issued by XXXX XXXX to my late wife showed an XXXX charge from XXXX XXXX in XXXX XXXX, TX. 
I notified Barclays Bank of the following problems with that charge : 1. Neither my wife nor I have been in Texas for at least four years 2. I canceled said card as my wife 's PoA Agent by certified/return U.S. Postal Service letter dated XXXX XXXX, 2018. 
3. As part of said cancellation, I reported that I had physically destroyed all of her credit cards, including the one used in XXXX XXXX. 
4. Barclays acknowledged said cancellation by letter dated XXXX XXXX, 2018. 
5. I froze my wife 's credit-rating accounts with XXXX, XXXX, XXXX   and XXXX in XX/XX/2018 and they remain frozen to this date. 
6. My wife died on XXXX XXXX, 2018. 
Nevertheless, I received a second billing dated XX/XX/XXXX for the spurious charge. 
I have received no acknowledgement from Barclays Bank to either my report of fraud or my request for corrective action. 
The account and card remain active and open for further abuse as far as I can tell.
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

They closed my account out of nowhere claiming fraudulent funds were being deposited and demanded I send all my sensitive documentation to prove my identity and employment. I am who I say I am and am not fraudulent although they claim I violated the terms of my contract by being so. Not only did I prove my identity to them immediately upon request, but I have been in constant contact with them and have submitted my info on 3 separate occasions. They continue to claim they have not received such information and that it will take XXXX hours to verify upon each submission. It's been 11 days and I have not XXXX dollar to my name, no gas in my car, no food in my house, am about to lose my job ( ca n't drive ) and am XXXX  months XXXX. 

I have received the same pay from the same place upon signing up with this bank. They won't get me a supervisor to resolve the matter and are withholding all my funds for no good reason while making heinous claims about my honesty and integrity.
Consumer complaint received 2019-05-27
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: EQUIFAX, INC. (TX)

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX ,
Consumer complaint received 2022-08-12
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. (CA)

Ive asked these companies transunion and equifax repeatedly to remove these inquiries because they are not mine and Ive done the steps required and the inquiries still are on my credit report. 
On XX/XX/2022 On XX/XX/2022 On XX/XX/2022