davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AES/PHEAA (UT)

I was in school and was involved in a XXXX accident where I XXXX and could n't work and was offered a partial scholarship to XXXX at the school but that was no longer an option after the accident. I could n't go to school cuz I was in a hospital out in a different XXXX in a XXXX. After I started to recover I was in so much XXXX. I was in and out of XXXX the financial hole I had dug myself .The late fees I had occurred in that time period of recovering it has seriously damaged my credit and has made moving on with my life extremely difficult from car loans to home loans.
Consumer complaint received 2017-04-27
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: Experian Information Solutions Inc. (MS)

I receive a credit card from XXXX XXXX XXXX on XXXX XXXX,2017 and the company reported the credit card on my credit report within 5 days of receiving the card which is XXXX XXXX,2017. This company did not give me the opportunity to pay down my usage amount before reporting to the credit bureau. I Thought financial institutes allow you thirty days to pay for your depth before reporting to the credit bureau. I also did not receive a statement from this company yet because it 's to soon to release a statement, but they release my information to the credit bureau without notification.
Consumer complaint received 2017-03-22
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

My complaint is about PAY PAL. 
Pay Pal charged my account about {$XXXX}. 
Pay Pal claimed this was a chargeback ( probably from a credit card company ) arising due to a 3+ month old transaction. I was told that the ( Ebay ) buyer had not authorized the purchase. There was no dispute about shipping, arrival or non-arrival of the item and the item was never returned to me. I believe that this dispute is between the buyer and the credit card company about an unauthorized transaction. I performed in good faith by shipping the item ( and I can prove it but choose not to do so ). Pal Pal is illegally taking ten dollars from my account. Pay Pal should exclude me from this dispute automatically. I should not have to provide any documentation ( shipping tracking information ) about the disputed transaction because there is ZERO evidence that I did anything wrong. Pay Pal should be restrained by XXXX from taking money from Pay Pal accounts when there is no evidence of wrongdoing by the account holder AND the account holder is NOT a party to the dispute.
Consumer complaint received 2015-08-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (TN)

I had an autoloan with BB & T Bank that was part of a Chapter XXXX Bankruptcy. I filed for protection in XX/XX/XXXX Case # XXXX this was dismissed prior to the confirmation due to a clerical error but payments were still being made to the trustee. This Case # XXXX followed and again due to clerical error was dismissed prior to confirmation but payments were still being made to the trustee. Case # XXXX replaced the previous cases and was dismisses AFTER CONFIRMATION in XX/XX/XXXX due to loss of employment. 
At issue is the reporting by BB & T stating that I was past due while in the chapter XXXX and that payment was not received. Payments were sent by the XXXX Chapter XXXX Trustee to BB & T while the case was EVOLVING from the INITIAL CASE FILING # XXXX. 
I have sent a formal letter to BB & T in XX/XX/XXXX with no response and filed an online dispute through XXXX. The online dispute response stated that BB & T has changed the report showing that the account was paid but still shows XXXX missed payments from XX/XX/XXXX ( initial filing ) until XX/XX/XXXX ( case dismissed ). The Trustees office shows that payments were made and received by BB & T starting in XX/XX/XXXX. 
When I had voluntarily dismissed my case in XX/XX/XXXX, I paid BB & T the final payoff for the XXXX XXXX and received the title upon payment. 
I wish to have the late payments adjusted accordingly and fairly. I retired from the XXXX and have XXXX that prevent me from employment. I incurred these debts and have been working towards repaying XXXX my debts back to the Creditors. All I ask is that I be treated accordingly.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

XXXX, XXXX, and Equifax refuse to remove this invalid information that I have attached. I have filed police reports, affidavits, and hired XXXX XXXX to remove without avail the DCS/Division of XXXX support record that was opened in XXXX, has a XXXX balance, is still active and should be purged after 7 years and not in XXXX. It is fraudulent and there is supporting evidence that these bureaus and other reporting agencies refuse to acknowledge as invalid, fraudulent, and should be purged.
Consumer complaint received 2023-01-05
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. (FL)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc. (ME)

I have medical insurance with XXXX.I have excellent credit numbers.This is the first I have heard of this bill and it 's from XX/XX/2016.Not very fair.I have never even seen a paper bill from this.I had my medical bills from XXXX.It was XXXX I need paper verification as to why I owe this bill from Thomas Agency .
Consumer complaint received 2017-04-27
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)

I have not authorized  XXXX   XXXX  to make any inquiry into my credit report. At the times of the inquiries, I had a fraud alert on my report that ask for any company seeking access to my credit file to contact me personally. I called  XXXX   XXXX  on  XXXX  after reviewing my credit report from Equifax and was informed that they will not remove the inquiries. When explaining the issue to them, they refused. They are in violation. Equifax has informed that they will remove the inquiries if the company approves.     I would like for them to remove all inquiries that they have done into m y Credit file an d follow the law correctly.      XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (CA)

My vehicle was broken into. I reside on a cul-de sac/dead end street. I accidentally left my purse in car as I have a XXXX. Hands full and honest mistake by leaving it in my car. Thief took purse, diaper bag and all content within glove box ( car registration etc ). I filed a fruad claim with US Bank and also an immediate police report. No credit cards transactions were fraudulently made but perpetrator wrote a fraudulent check. US Bank denied my fraud claim. Holding me liable because checks were stored in an unsecured location ( car ). No appeal letter was given to me. I had to call several times to fraud dept myself to attempt to over turn decision. No prevail. I also tried calling my home branch and discuss matter with manager. She also gave same answer of " sorry ca n't help, fraud dept denied claim. Nothing we can do. '' Mind you it took almost a week and 1/2 for her to get back to me. Which I emailed her a follow up email with no reply. I had to call her to gain an answer. Poor customer service. I also called into fraud dept 3 times now?? Last representative said supervisor could n't get back to me until Monday! Run around. Point is -- - fraud is fraud. I should n't be held liable for a {$480.00} check I did n't write. In addition to Bank fees being applied!
Consumer complaint received 2017-03-24
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Feldman & Stern, LLC (WA)

Debt collector called my cell phone on Tuesday and told me he was collecting on a medical bill I had never heard about. I explained I had not ever recieved a bill and that I was going to call the Dr office to find out what the bill was for and why they never mailed me anything. He told me he 'd just sue me and I could see the bill in court and then I could also pay all his additional fees he was going to add for court costs. I told him I 'd pay what I owed but I wanted to confirm with my insurance company and the Dr office first to see what I owed. He again threatened to sue me and my {$300.00} bill would significantly increase if he had to waste his time. He then called my Father Wednesday, the next day, and told him about the bill and that he was going to sue me and make me come back to XXXX to go to court since I recently moved to XXXX XXXX. I found out that same day ( Wednesday ) that he also called my employer saying he needed to talk to me about " our recent work together '' which is a lie. He 's using multiple names and calling from what appears to be fake numbers because they wo n't let me return the call directly.
Consumer complaint received 2016-10-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX I took out a second mortgage through XXXX. The loan was subsequently transferred to Citi Mortgage. XXXX is also showing as the lien holder, but I am not clear as to what XXXX is. My wife XXXX declared bankruptcy in XX/XX/XXXX and this loan was included in the final discharge (see attached bankruptcy document).The XXXX lien is still showing up on XXXX County records. I have contacted XXXX, CitiMortgage and XXXX, no one will take any action to remove the lien. I am unable to refinance or sell the house as long as the lien is showing as active.  It is also causing problems with my homeowners insurance.
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (PA)

I have reason to believe someone got my mail and without my authorization used my XXXX credit card, where I live the mail is dropped through XXXX mail slot beside the door for every room in the house that is being rented at XXXX XXXX XXXX, XXXX, PA XXXX. Then the landlord picks the mail up off the floor that came through the mail slot and put individual single piles on the lobby table for renter 's to pick-up daily mail. 
I applied for a XXXX credit card online and never got a confirmation that I was approved or denied XXXX credit card, so I re-applied again with XXXX Customer Service representative and I was approved over the phone right then for XXXX and I received my XXXX credit card ending in XXXX. I told the customer service representative before she helped me apply for the XXXX credit card that I applied online 4 weeks earlier and I never got a response from XXXX if I was approved or denied, the customer service representative said she did n't see in the system were my online application for the XXXX credit card so we processed my application and I was approved. 

Then sometime in XXXX 2016 I received a XXXX Billing Statement showing I owe XXXX credit card XXXX that 's when I called XXXX put in my account Number ending XXXX and it stated that I had a " XXXX '' balance owed and that they got my payment of {$39.00} and change, That 's when I noticed the account number on the XXXX Billing Statement from XXXX did n't match my credit card ending in XXXX the XXXX Billing Statement account number ended in XXXX. So I contacted XXXX customer service who transferred me to XXXX Credit Fraud Department. 
So when I applied the first time online that credit card application for a XXXX credit card had to have been approved. How I found out there was a second XXXX credit card was when I received the XXXX Billing Statement with the account number ending XXXX. 
The XXXX credit card number XXXX I never received this card/made any charges or payments on this account ending in XXXX. 
So I started contacting XXXX Fraud Department at XXXX and XXXX several times a month to help me resolve the fraud on the XXXX account ending XXXX. 

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 — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my ANOTHER request 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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (NY)

The bank Wells Fargo has been keeping the balance same for almost a XXXX now after paying almost {$3000.00}. When asked why is it still the same customer service always says its the interest or late fees always making up non sense. Loan was originally signed for XXXX XXXX and during the pandemic they changed the duration with my knowledge but its been XXXX XXXX since loan was opened and i still have XXXX XXXX of loan payments to do which makes no sense.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

XXXX XXXX loan in XX/XX/XXXX for XXXX in XXXX. Navient became the " owner '' XX/XX/XXXX. Payments from XX/XX/XXXX-XX/XX/XXXX are not available and repayment balance does not reflect 2 years of repayment. I called to ask about forgiveness since I work in rural family practice. Have received no assistance in this matter.
Consumer complaint received 2022-09-30
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: WELLS FARGO & COMPANY (GA)

I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Consumer complaint received 2017-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

My claim is in response to recent allegations brought against Navient. 

In 2009 I took out XXXX student loans through XXXX, which were later sold to Navient. XXXX loan as been paid off with XXXX My claim is in response to recent allegations brought against XXXX and Navient. 

In 2009 I took out XXXX student loans through XXXX, which were later sold to Navient. XXXX loan as been paid off with XXXX remaining open. 

To pay off XXXX of the XXXX loans, I placed a large payment with Navient to clear the principal balance in its entirety. The next month, I received a bill showing the loan had not been closed. When I contacted customer service, they informed me that as opposed to applying the total payment to the principal, they amortized it over the life of the loan, applying it toward future interest and principle payments. I was eventually able to have them restructure this payment to close out this loan, but not without great hassle. At no time upon initial payment was I told the amount would be amortized. When the amount was paid, I had specifically instructed to close the loan and pay the principle in full but this was not done. 

Prior to payoff of this loan, one year out of XXXX school, I was tight on cash and called to see if there was anyway to reduce my monthly payments so they would be more manageable. I was instead encouraged to take a forbearance. I was told it was a " great way to catch up '' because payments would n't be due for 3 months. At not time was I notified of the negative effects of taking a forbearance, and was shocked to find my credit score strongly affected by this a few months later upon trying to finance a new car. 

Following payoff of my large loan, I was left with appox. {$21000.00} between XXXX student loans remaining at a 6.25 % interest rate. I have paid $ XXXX/month for these XXXX loans specifically over the last 7 years plus additional periodic lump sum payments for $ XXXX {$1500.00} when able. To date, my principles between both loans have only been paid down by {$5000.00}. The Navient website does not allow you to see how your monthly payments are applied, simply the total principal left and the amount in interest you 'll pay assuming it takes 30 years to repay. Assuming I 've approximately paid out {$13000.00} in monthly payments over the last 7 years plus the periodic large sum payments I estimate to be about {$2000.00} in total, I 've paid XXXX/Navient approximately {$15000.00}. With approximately {$16000.00} remaining due on my principal. That mean 's since 2009, {$5000.00} of my payments have lowered my principal while {$10000.00} has been applied towards interest. Because of Navient 's website setup, I have no way of confirming application of such was done properly.
Consumer complaint received 2016-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (LA)

The Consumer Financial Protection Bureau responded and acted on my complaint immediately. Navient responded with an action, but it was minimal and did not take care of the main issue. A policy change that is ethical and fair for divorced consumers with consolidated loans must be made. 

Many years ago, when Navient was still XXXX XXXX my ( then ) husband and I consolidated our loans. At the beginning of our marriage it did n't occur to us that a divorce may be looming in our future. It did. I have been requesting that our consolidated loan be separated, per the divorce decree since we divorced many years ago. They refuse. I am very kindly asking for CFPB to put pressure on this corporation by calling them, writing them, and asking them to correct this policy. If Navient is willing to allow married couples to consolidate loans then they should have a contingency plan and policy in place for those that divorce ; especially if the divorced party has a court decree stating that the loan amount be separated. This refusal by Navient seems unethical on many levels. One human should not be responsible for another human 's debt, which I am because of Navient. XXXX ( ex-husband ) XXXX initially chose to be a deadbeat dad, and is currently being garnished for child support payments. He refuses to pay his part of the loan, leaving me carrying the weight of his debt becasue I want good credit. Now, as a single mom, a XXXX, daughter of a deceased veteran, and an honorable citizen that votes and pay taxes, I am left struggling because of a debt I am having to pay for another individual that refuses to be honorable. I am also in XXXX XXXX trying to further my XXXX career. Navient refuses to allow me to defer my loan payments even as a XXXX at XXXX because my ex-husband and I have this loan together. Yet they refuse to rewrite the loans. This is an injustice to many divorced people in this situation. Please hear my request and demand Navient to make an amendment to their consolidation policy for divorced couples. ***I want them to defer my loan while I am a XXXX especially since I am the only one paying the debt. *** The ex-husband refuses to pay his part, and I have proof, and have sent that proof to Navient to no avail. Thank you for your time and help in this matter.
Consumer complaint received 2015-06-12
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: IQOR US INC (FL)

I had my Student Loans account with XXXX and I never missed a payment. When my loan was transferred from XXXX to XXXX XXXX, the monthly payment was increased from {$190.00} on XX/XX/XXXX to {$390.00} on XX/XX/XXXX. I contacted XXXX several times and each time I was informed that the new amount was due to the " consolidation '' of the account. My loan account had been already consolidated XX/XX/XXXX before it was sent to XXXX. XXXX refused to provide me a written explanation why my payment was XXXX after they took over the account. I stopped paying because I could not afford to pay {$390.00}. XXXX did not provide any solution to this situation. In the meantime they added {$8000.00} interest to my account. 

I was contacted by the US Dept. of Education XX/XX/XXXX and after calling them back I sent all the forms and documents they requested. Once they received them, they hand all my information over to a collection agency, AlliedInterstate. They added {$14000.00} collection fee to my account. 

I have contacted the Dept. of Education a few times. They said I have XXXX options : pay in full the owed amount ( which is not an option unless I win the lotto ) or " work '' an arrangement with the collection company. I contacted them or answered their call but they are full of XXXX because they know they " own '' me. I have also contacted the ombudsman, who all they did was to provide me a worthless case number but nothing else. 

Interest from XXXX and collection fees from AlliedInterstate have added are more than 50 % of what the original loan was. I 've never refused to pay my loan or missed a payment while the account was with XXXX. As an individual I have the right to know why my account has, all of the sudden, double the monthly payment and refuse to pay if no explanation is provided.