davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-10
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (TX)

I received a letter from XXXX XXXX XXXX , XXXX claiming that they are collecting on behalf of Navient Education Credit. In there letter dated XX/XX/XXXX, the claim that my total current balance is {$13000.00}. As it stands according to Navient, I do not owe them nor any collection agency. The debt they allege I owe is not valid nor accurate. Proof that is attached to this complaint will show that this company is illegally trying to collect on an account that is paid in full and is also closed with Navient. The account they also is past the statute of limitation based of the Fair Debt Collection Practice Act, Fair Credit Reporting Act and Texas statute of limitation that is enforced by the Texas Attorney General. They have no right to collect on the account since it is paid in full. Furthermore, no documents or proof that this account is accurate was sent to me by XXXX XXXX XXXX , XXXX. I am going to consult with my attorney or legal recourse as they are breaking several federal and state laws. Also, since Navient has been the center of several lawsuits, their selling off and transferring of accounts to deceive individuals as myself will not be tolerated. Also the fact that the XXXX loans I had with Navient : XXXX for {$4000.00} and XXXX {$2600.00} are nowhere near the doubled amount this company and Navient are trying to collect wrongfully from me.
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

Here we go again, i notice that quicken loans does not respond, i think have them busted, they send me a e-mail on a XXXX escrow fee returned to me, i have canceled with them three times on ( ihave faxed them on this once already ) thier e-mail, they will not respond, this, and i have already responeded to this, i get if i respond they will figure my account is open for application agains, i cancelled it 3 times, i will not respond anymore for they are tricking, i take back all the good i said about Quickenloans, they are preditors and just will do anthing to make things tough to refi to, buy the way they have me at 4.75 % apr XXXX 30 fixed never was told that i had to trick them into getting that, yes another loan co has gone to the sewer, Beware of Quicken, the salespeople lie, the ask you for repetitivve info, and they trick you, if you respond they will consider you account open, imagime i have only have had 10 days with these XXXX, yes Quicken you are a buily, Imagine what thier customer service is like compared to thier bully tactics in your loan.I take back all positive on you, you are a preditor and i will not comply to your bull, i will not sign any dos with your and i dare you to charge me, be warned all of internet lender!!!!!!! Once agian I have cancelled 3 times and they continue to send me all these things, probably to just get an account, Quicken loans I complimented you, but as far as i am concern you are XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!! leave me alone, your salepeople lie and you put people thru XXXX for your stupid loan, you rip off people and do not give them the real deal, i tricked you today and got it,XXXX pages, i was only sent XXXX when i applied, i hope someone out there is sick of your practice, after all its all over consumers affair, i suggest all/they keep avioding my complaints i wonder why? after all they managed to steal A+ on the XXXX.AS you continue to plague me i will never stop thank burea u, i hope a lawyer or someone with power puts them out. 
you read it, and you will not make my mistake, i know you will lie on this, thats how preditors work/oh i have XXXX % equity and they still are billing on top of thos a point, never told sales people lie!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Credit reporting institutions have false information about an account status that was paid off and account closed. When I reported here, the XXXX credit reporting institutions, namely ; XXXX, XXXX and Experian contacted the creditor, XXXX XXXX XXXX. Instead of correcting the account record, on XXXX/XXXX/2016, XXXX put my account into delinquency till a Law Firm I engaged complained XXXX improved the account on XXXX/XXXX/2016 but retained the delinquency record on my report in addition to reporting that I still owe XXXX whereas not. All the said XXXX credit reporting institutions still maintain this balance. This has caused me to suffered gross financial and investments loss which instance my Attorneys are handling. I have kindly attached my XXXX XXXX XXXX account as proof that I owe them no monies as of XXXX XXXX, 2016. XXXX should remove its delinquency report without much ado and all the XXXX credit reporting institutions should make the necessary corrections and indicate that the account was closed on XXXX XXXX, 2016 on payment in full of balance then.
Consumer complaint received 2016-12-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK (NV)

I have a loan through Discover. I 've always paid on time. Around six months ago, I had a problem with the automatic payment & it did n't go through, so I called & made the payment. they were going to have the late payment taken off & get back to me. They never did either. I called them again & they said they 'd do both-but never did. Then I accidentally made two payments in one month which I could n't afford & they said they 'd ckeck into getting one payment back to me & also reverse late payment charges & get back to me. They did get my one payment back to me but never reversed the late payments & once again did not get back to me. The late payment is increasing & I need help with this. Also for some reason my payment has increased slightly & this is in addition to the late fees. I spoke to them about this & they were going to fix it but never did.l
Consumer complaint received 2016-01-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (UT)

I was recently divorced and assumed full liability for a joint Discover Card account that my ex-wife and I have. I am the petitioner and the divorce decree states that " The petitioner will assume and pay and hold the respondent harmless '' for the Discover Card and other joint debts. I called Discover to ask them to remove her from the account, which still has a balance and they refused. They offered to establish a new account in my name but they would not transfer the balance from the joint account. The balance is reported monthly to the credit bureaus for both my ex-wife and I, and thus it shows my former wife is liable for the balance when in fact she is not. How can this be acceptable under the Fair Credit Reporting Act where it requires creditors to report accurate information? If my ex-wife is legally not responsible for the debt, then why can Discover, and other creditors, continue to report it as such?
Consumer complaint received 2017-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rent Recovery Solutions (GA)

I have contacted Rent Recovery by certified mail they have accounts for the same amount on my credit twice. I have no knowledge of this debt and asked for it to be removed. XXXX is on my credit report twice I asked for both accounts to be removed it is no my account and it is past the limitations for the state of Georgia. They also have a XXXX listed that I have no knowledge of the failed to respond to my letter. I will take legal action if this is not corrected I will enclose the proof and that it is on my report twice for the same amount.
Consumer complaint received 2015-08-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: DISCOVER BANK (GA)

My wife and I were looking to refinance our home. We contacted a gentleman named XXXX XXXX whom we were under the impression he worked with discover home loans. In the first conversation with XXXX we had our credit ran and it all seemed to be going well, we also paid a {$400.00} appraisal fee. Towards the end of the conversation XXXX mentioned that discover was intact merging with XXXX. I was alittle upset because we originally wanted to go through Discover bit figured it would be okay since it was a supposed merger. XXXX informed us that there would be a block out period for about a week for the merger to take place. About 3 weeks after that I received a package in the mail which contained a copy of my credit report and my new login information. I was confused. I checked my credit and found that XXXX ran my credit in addition to Discover. I called XXXX from originally discover and he claimed that the pull was a soft hit when in fact it was a hard pull. I could n't understand why a company that had supposedly merged would pull my credit XXXX. I contacted a representative from discover whom infact told me that they DID NOT MERGE WITH XXXX, but that XXXX bought out discover home loans that were over {$100000.00}. Now I did n't even have a mortgage loan with discover and I originally wanted to work with discover but at no point in our first conversation did XXXX XXXX mention that discover no longer offered loans over a certain amount and he did n't mention the fact that XXXX bought EXISTING DISCOVER LOANS. The representative I spoke with at discover told me that what she thinks XXXX XXXX did was run my credit and took me with him to XXXX. I am very upset because I was n't told the correct information. I was lead to believe that it was a company merger when infact it was n't. I understand that XXXX bought existing discover mortgages, but I was n't a discover mortgage holder. I was mislead. Armed with all this new found information I contacted XXXX and my number was automatically directed to XXXX XXXX. So I called from a different phone number and spoke to a representative and asked for XXXX XXXX supervisor. I was told that I would return a follow up call from XXXX of the supervisors and I have n't heard anything from anyone since then. Now I did a refinance with a company that I DID NOT WANT TO DO BUSINESS WITH because I was mislead and I did not want another hit on my credit and almost 2 months later I still have n't closed. I 'm beyond XXXX for the fact that I was told incorrect just down right wrong information..I was taken advantage of and I 'm very upset.
Consumer complaint received 2015-09-14
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: DISCOVER BANK (FL)

I had a credit card from Discover that was charged off XX/XX/XXXX. The account was then later sold to a Florida entity named XXXX XXXX. Around from XX/XX/XXXX to XX/XX/XXXX I was on a XXXX. Upon my return a year later with no prior correspondence the collection company served my roommate. I showed up to court and made payment arrangements that were inflated with interests. While I was making payment, I called in and inquired about making a payment that consisted of a large sum to be distributed evenly across a number of months. The representative on the phone accepted the payment and they defaulted me the following month for non-payment. I was a student and not working, they placed a lien on my bank account. I had a lawyer submit a file to remove the lien and told them he would be representing me from that point forward. Since then, the attorney has n't received neither calls nor correspondence from XXXX XXXX , XXXX, neither have I. On Monday XX/XX/XXXX, at about XXXX XXXX a sheriff showed up to my apartment with a court execution order to levy my property. He parked behind my car and forbade me to leave the premises without handing over my car keys unless I wrote him a check for {$4600.00}. I pleaded with them that this car is how I earn my income as a ride share driver, he called a town truck and impounded the car with a notice to resolve the matter in 45 days or the car would be sold. Since then I have filed a Notice to Defendant of Right Against Garnishment, Wages, Money, and Other Property. I contacted the collection agency and the person handling the case advised me to have my lawyer contact them. He has tried for the past three weeks and has n't successfully spoken to anyone except for a secretary who told him someone will return his call. It appears I have n't been giving any choice in this matter. I was under the impression they 'd want their money but instead they rather have me suffer and not earning an income. I do n't understand how this is justifiable. I 'm going 21 days without my car. It 's costing me {$32.00} per day on average to travel to a per Diem job where I 'm only earning {$85.00} before tax. My hands are tied at this point, I just want to resolve this issue. Thank you.
Consumer complaint received 2015-12-26
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NY)

I am writing regarding the unscrupulous and horribly corrupt methods of Discover Card Financial Services located in XXXX XXXX XXXX Utah. 

I had purchased a microwave from XXXX using my Discover Card, and I had the microwave installed in my home. I subsequently discovered that the microwave may have been a used unit as there was no warranty card or owner 's manual. 

Since I was dissatisfied and very unhappy with the microwave unit, I informed XXXX I was going to return it. They agreed to take the microwave back and I returned the unit on XX/XX/XXXX, and it was on that date XXXX removed the unit from my home. XXXX refuses to acknowledge my return and authorize the refund of the {$640.00} which includes the cost of the microwave and the installation. 

But it is Discover Card that is causing me terrible distress in my dispute against XXXX. Discover Financial Services/Billing & Disputes Department continues to give me " temporary credits '' only to reverse them back to my card. This is despite the fact that I have a signed receipt with a signature proving XXXX installers came to my home and picked up the unit. I have sent proof of return twice to Discover, and I have spoken to countless representatives. I have documented everything in chronological order with detailed information regarding this dispute. Discover Billing and Disputes refuses to cooperate and give me a permanent refund. 

As it stands now, I have no microwave. XXXX stole my money, and Discover Card is playing hardball against me by refusing to give me the permanent credit. 

I have a letter which documents everything, along with everyone I 've spoken with and every date. 

I am request that your office intercede with Discover Card Financial Services forcing them to give me a refund. 

I am devastated over this. Discover Card is protecting XXXX. Please help me in this matter. 

Thank you for your assistance.
Consumer complaint received 2015-08-31
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Spoke with representative on my personal phone. XXXX XXXX ( the representative mentioned earlier ) called me at work and I informed her that this was not a personal line and that calling was was not alright. She has continued to call my work phone and argues when i inform her that this is not an except-able phone number to contact me on.
Consumer complaint received 2016-12-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NC)

Based off the fact that EXPERIAN has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so they have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show there blatant disregard for Federal Law. 
The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That 's all Experian has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

I have submitted a dispute to Experian 3 times stating that I have never lived at the address being reported, and it still has not been fixed. Any time I log in to check the status, it does not even say that it is under review. An additional complaint is that I logged in about 20 minutes ago to check it, it had n't been changed, so I came to CFPB to submit a complaint. I started the process, then thought maybe I would try one last dispute before I complained, but now when I try to log in, it says " We are unable to allow access to our online dispute service '' and because of privacy reasons they " can not provide a specific reason '' why. I have a feeling, though, that they were alerted that I started a complaint, and blocked my access. So I 'm back at CFPB to file a complaint over the simple manner of an incorrect address that they would not resolve on their own.
Consumer complaint received 2016-08-06
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

This guy is a hacker who has done illegal things i contacted him asking if he could get me items for XXXX $ ( not illegal ) in a game on steam he said sure i gave him the items i wanted sent the money then he blocked me and i ca n't refund it or chargeback or anything
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (NJ)

1 ) XX/XX/XXXX : I submitted online a form to wire transferred {$35000.00} from my saving accounts to a relative 's bank. Both banks are in the USA. XXXX XXXXmy bank : Discover, my relative 's bank : XXXX XXXX XXXX XXXX I live in XXXX the money was meant to be transferred to XXXX. 2 ) The {$35000.00} amount was deducted from my savings account on XXXX XXXX, XXXX, as of today, XX/XX/XXXX Discover can not give me an update as to when my money will be transferred. 3 ) Discover bank said the transfer would only take 3-5 days max. XXXX ) Discover bank called me twice in early XXXX asking to confirm the same information ( my name and social security number ). Every time Discover bank would say that the wire-transfer needed to be approved by the Federal Reserve and they would give me an update in 3-5 days. 5 ) When Discover bank stopped calling me I called 3 times ( in XXXX and XXXX ) to ask for an update and every time they said the same thing : that my wire-transfer was on hold because " they '' needed to confirm my name. I asked where was my money and they first said it was with the Federal Reserve. I asked to please cancel the wire-transfer if that would return my money/ {$35000.00} back to my account and they said that would not happen until the Federal Reserve released the money. 6 ) I called the Federal reserve on XX/XX/XXXX and they said they do not " hold '' the money, and they only take 1-2 days to review and approve wire-transfers. The Federal Reserve said Discover had misinformed me and to contact the CFPB. 7 ) I called Discover on XX/XX/XXXX and they said the same thing again : that my wire is " stuck '' in some government agency and also they asked for my name again asking if I was certain I had provided my full name correctly or perhaps I misspelled it and that is what is causing the delay, which is absurd. They kept me on the phone for 30 minutes with no resolution. The customer representative said he will personally call me this week ( week of XX/XX/XXXX ) to give me an update. However, I have been hearing the same story since XXXX XXXX, XXXX with no resolution.
Consumer complaint received 2015-12-09
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SimpliFast Lending, LLC (MO)

I applied for a loan from a company in Kansas XXXX Kansas called Simpli Fast lending for an unsecured loan of XXXX or possibly more. The ad is false misleading because it states that bad credit is no problem and it deceives people into thinking the will get a loan regardless of their credit history.I have filed a complaint to the better business bureau and attorney general in my state but they will take a long time to look into my complaint. The ad states as follows Need Money No Problem Personal Loans Simple Easy Fast Bad Credit. No Problem Approved in minutes. 
Apply online or stop by. 
Open M-F XXXX SimpliFast Lending The loan experience you deserve XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I emailed the company and XXXX answered by email to my response but he did n't come back with a response just yet. I am asking that the amount of the loan that should have been financed to me in addition to all legal claims for false and misleading advertising in additional to all applicable lending laws as well as other damages as well. So I would ask that the company pay me all losses in my settlement as I needed the money for urgent personal matters as I am more than able to pay back the loan with my income requirements as well. I get a va pension of XXXX, social security XXXX of XXXX a month, and about XXXX or more a month working part time at my job which would be more than sufficient to pay back the loan even if my credit was an issue in which the ad states that bad credit is no problem in getting a loan with their company. It is the holidays and I need this matter settled as promptly possible as I intended the money to be also used for holiday shopping as well. Please call me back as soon as you can to settle this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX