davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

so- this is also a follow up on previous complaint for mohela. The attorney general received a letter from a lawyer on XX/XX/XXXX who stated that my request for refund was processed on XX/XX/XXXX and gave amount of XXXX as a refund amount from 30- 60 days although the letter was dated after the 60 days. ( see documents ) A month later you received a letter from Mohela stating that they were still trying to figure out amount I am actually owed which makes no sense seeing they already decided they were keeping the XXXX even though they were also payments made during the pandemic and applied them to loans that were not yet due. 

to this date, over 120 days PAST the processing date of XX/XX/XXXX, I have received XXXX money in regards to this. Someone is not doing their job and I am suffering due to this. 

I need this resolved as I am paying interest to the dept of health and human services and this is very unfair to me!
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (NC)

I have submitted two requests in XX/XX/XXXXXXXX XXXX  to request a new IDR plan, the standard plan. Both times I have called I have been told the requests were received and I would receive an email response of the status. I have not received an email of the status. Both times I have called I have been told it is pending and that it is just taking time to process. The second time I called in XX/XX/XXXX- they placed me in Administrative forbearance. It is now XX/XX/XXXX and I still have not received an update as to my IDR plan request and interest is still accruing.
Consumer complaint received 2020-10-15
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: Global Lending Services LLC (WI)

On XX/XX/20 we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were give EXPLICIT instruction to forward the request to the XXXX ONLY. XXXX XXXX XXXX XXXX forwarded our application to the following WITHOUT AUTHORIZATION : XXXX   XXXX, XXXX, Global Lending Services, and XXXX XXXX.
Consumer complaint received 2015-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (TX)

First National Collections purchased this loan from XXXX. I informed them that someone opened this account at a address which does not belong to me or never resided at and advised them to validate and verify. First National Collections has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am requesting a deletion of this account from XXXX XXXX, XXXX XXXX XXXX I have been disputing these fraudulent and inaccurate account. I also attached an FTC in my past dispute, Which I am also attaching in this dispute, I am also attaching my NOTARIZED identity theft affidavit so your company can not say you havent received it. This is my final time disputing this account, after this I will be heading down to civil court in my state of Pennsylvania to file a claim against your company. Im a demanding an investigation and deletion of this account. I recently got denied for a job because of this fraudulent account that I have made your company aware of. I have also most importantly kept All of my records of my past disputes with your company.
Consumer complaint received 2024-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I am XXXX XXXX XXXX turning XXXX this year. I am a victim of identify theft and these are not my accounts. I did not ask anyone to open these accounts. The companies can not provide signatures or proof that I opened these accounts. Please help me.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2022 at XXXX p.m., as shown by the receipt given to me by the ATM XXXX XXXXXXXX XXXX XXXX  XXXX Florida, I made a deposit of XXXX {$20.00} bills, which is equivalent to XXXX, the cashier stayed hung up and took out a receipt already mentioned above with a message that I could not process or return the money that I communicated with the bank. The claim was made to the bank and they stated that it is not appropriate that they can only give me {$280.00}. 
Reason why I am filing this claim, in addition to the fact that they are stealing my money that costs me so much to earn it, they are calling me a thief, I do not agree and I want to take this until they return my money and apologize to me for calling me a liar or thief.
Consumer complaint received 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

In XXXX of XXXX, I submitted my annual recertification for the IDR plan which I have done for years without issue. I spoke with XXXX XXXX at Aidvantage ( new servicer ). My payments were to be {$10.00} a month for the SAVE plan per XXXX XXXX. and those payments were made so I had no idea there was an issue with my loans. On XX/XX/XXXX, I discovered that Aidvantage is demanding a past due payment of {$600.00} for several months. Aidvantage screwed up my account and they can not be trusted. I set up autopay and made monthly auto payments. I have a PDF stated my IDR recertification was approved. I also want a full accounting done on my loans as I do not trust Aidvantage. I disagree with the amounts due and the interest accrued on each loan. Aidvantage is an unethical loan shark. I want the Department of Education to verify each loan 's interest charges and loan amounts. I WANT A NEW SERVICER. This company 's errors have the potential to ruin people 's lives and they must be held accountable. The CSRs keep customers on hold for over 45 minutes. Then I spent over an hour speaking with another CSR named XXXX XXXX. XXXX stated that I needed to go into forbearance so they could find out what happened. They screwed up that is what happened! I was on the phone for over 2 hours. THIS MUST BE TAKEN CARE OF. I DO NOT TRUST AIDVANTAGE!
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VI)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount GR Holdings, LLC (TX)

This Consumer Complaint is filed against XXXX XXXX, XXXX ( XXXX XXXX ) and GoodLeap , LLC ( GoodLeap ) for breach of contract, fraudulent misrepresentation, conspiracy, predatory lending practices, and violations of the Deceptive Trade Practices Act. As a result of both XXXX XXXX and GoodLeaps continuous false, deceptive, misleading, and predatory actions, I have suffered {$1300.00} ( recovered {$410.00} ) in actual damages, had my solar panels illegal locked up for over a month, incurred a XXXX drop in credit score ( from XXXX to XXXX ), and suffered severe anxiety and mental anguish. Please see attached for detailed complaint and evidence.
Consumer complaint received 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IN)

As of the start of XXXX XXXX I had {$7400.00} in student loans managed by Aidvantage. With the renewal of interest and payments on student loan debt in XXXX XXXX, I sought to repay the remainder of my loans. 

On XXXXXX/XX/XXXX I attempted to pay the total remaining balance but this payment was reversed and rejected. I made an additional attempt on XXXXXX/XX/XXXX with the same results. I called customer service on XX/XX/XXXXXXXX  once I realized my payment had yet again been reversed. They speculated that a lowed payment might clear the online banking system safeguards. I made a payment of {$4200.00} which was accepted. I then made an additional attempt to pay the remaining balance on XX/XX/XXXX and on XX/XX/XXXX, both of which were rejected, despite the fact that payment attempts were less than the successful payment of over {$4000.00} made on XX/XX/XXXX. I have since emailed Aidvantage customer service to ( yet again ) request to close out my remaining balance. I have also informed them that I would file a complaint with this office. 

Since my first attempt to repay my balance, I have accrued {$150.00} in interest, which I have requested they remove from my account balance before closure of the account.
Consumer complaint received 2024-01-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I received a XXXX XXXX XXXX XXXX from a family member who originally purchased the car from XXXX and financed it with XXXX XXXX XXXX XXXX. When I received the car in XXXX, the loan was paid off and had been paid off for more than XXXX  years. However, when I went to transfer the title to my name, XXXX XXXX XXXX XXXX was still listed as a lien holder. The XXXX XXXX was never provided any information about the payoff from XXXX and as such, provided me with the title that still includes XXXX XXXX XXXX XXXX as a lien holder. Ive reached out several times by phone and email and have not received a response from XXXX XXXX XXXX XXXX and now because of this lien on the title I am having a hard time trying to sell this vehicle to someone else.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX TC XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, WY XXXX ; XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX : {$1300.00} ; XXXX XXXX  XXXX XXXX Balance : {$5500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$7700.00} ; XXXX XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XXXX XXXX Balance : {$230.00}.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Dispute credit In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

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

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a ccount without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MO)

I have 2 student loans with AidVantage. The debt forgiven and discharged as part of the XXXX XXXX XXXX XXXXXXXX discharge and is carrying a negative balance. That balance needs to be refunded. I've been told by AidVantage that it can take up to 7 months. It has now been over a year, with no explanation.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681. 

The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy. 

15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Delete the accounts below
Consumer complaint received 2015-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation (TN)

Multiple phone calls through the day starting at XXXX and ending sometimes at XXXX EST. Multiple visits to my house and today I was blocked in the driveway by the collector and I told him to leave or I would call the police. These house visits are common and have asked them to stop doing it.
Consumer complaint received 2015-10-05
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Thaxton Investment Corporation (TX)

On XXXX/XXXX/15 I sent a Cease and Desist letter to Southern Finance, as a representative had come to my place of employment and I wanted to ensure that the harassment would stop. However, Southern Finance continues to call me and references provided on my application multiple times a day. I am experiencing a financial and have been meeting with a non-profit financial counselor. I have been advised that my budget only allows me to pay for my most basic needs such as mortgage, food, and health.
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: HireRight Solutions, Inc. (VA)

I received ticket in Indiana for failure to obey traffic signal. On XXXX the speed limit was XXXX but slowed down when was close to red light when my front steer tires hit the white line the light turned yellow .there was an officer sitting in red light to my left. He should know that I could not have stopped that quick even if I were goin XXXX the weight of a tractor trailer would not be able stop so sudden without loosing the load on flatbed trailer. I was goin show for court but it 's very hard. For driver to make court when you travel so many states.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRSTBANK PUERTO RICO (PR)

I bought a car, I was told the First Bank needed an inquiry on my credit for the loan. I unlocked my credit report. Got approved, got the car. When the paying slip arrived, it came with a credit card. I thought it was a promo. when I created my account on XXXX/XXXXXXXX I noticed a line of credit for XXXX dollars. I never authorized nor signed anything. Called he dealership, they said to call the bank. Called the bank and they said the inquiry for the XXXX was used for that, but they are asking if I received a phone call when I requested the signed document. When I check my XXXX XXXX Account there is no data on any other credit card, which was supposed to appear if it was approved if I had requested it. This credit card was sent to my address without my knowledge. So many risks in this transaction, including fraud. They said they will create a case and give me a resolution. My hard work is not a game.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CO)

On XX/XX/2020 CitiBank lowered my available credit on all three of my cards ending in XXXX, XXXX, and XXXX. I have never missed a payment and have all my records to prove so. I called and ask why all three of my cards had their limits reduced to which CitiBank explained they " do not have access '' to that information and that it is " confidential ''. This is a violation of the Fair Credit Reporting Act as they would not give me any response to my inquiry. My spending behaviors have not changed, my income has increased, and now I am going to suffer a dramatic score decrease as my utilizations will go from 50 % to 98 %.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (NY)

I applied for SAVE on XX/XX/XXXX and my application is still pending review. I was put into forbearance since that time. I received an email on XX/XX/XXXX stating that my standard IDR payments will start in XXXX. Aid advantage has not reviewed my SAVE application from the US Department of Education. Their phone hold times are hours long and no one responds to emails.
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AL)

paypal suspended my account until i verified my identity for some reason they would not tell me. it took me a few weeks to gather all the required documents but eventually did ans submitted them. i provided ID, bank statement, and an account transaction history. after a couple days i went to log in and got a big message across the screen that i could no longer use paypal. plus my account balance, all the money i had at the time, would be held for 6months and then i would get an email telling me how i can get my money! i still cant believe they are able to do this to people
Consumer complaint received 2015-07-02
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Continental Services Group, Inc. d/b/a ConServe (NJ)

Trying to settle with Conserve who was outsourced by XXXX which is the company that deals with financial accounts for XXXX online. I do owe XXXX to the school. I lost my job and could not pay. I now am trying to pay and spoke to Conserve about a settlement. I will pay XXXX plus some fee, but not XXXX. Which they are trying to collect and not even negotiate. Even XXXX was trying to reach out because they do n't understand. I asked conserve where this excess fees came from, and they just said that they can tack on anything.
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (NY)

My identity was compromise. Several charge accounts loans was attempted to open under my name, Social Security number and drivers license. Some of them were successful and some of them would not. Ive been trying to get those account resolved by filing a police report and contacted the creditors to investigate into contact the credit bureaus to remove those fraudulent accounts that they are reporting, but nothing has been done but instead I keep getting harassed by the collectors about money I do not owe them.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MI)

I last paid my student accounts on XX/XX/XXXX for XXXX at aid advantage. 
Then I have no bill for XXXX. My next bill statement is sent on XX/XX/XXXX due XX/XX/XXXX for XXXX and a second email for XXXX. Then on XX/XX/XXXX I get an email the amount due is XXXX for XX/XX/XXXX and on the same day I get another saying XXXX is due. On XX/XX/XXXX I get a notification in the same day that XXXX is due and XXXX. 

With applying for the SAVE plan I am waiting for that to go into affect. I talked with Customer Service XXXX XXXX at Aidadvantage who said I was getting the different amounts due to different loans. If you look in the portal though it says current amount due " XXXX '' which correlates to what I paid in XXXX and should be paying monthly. I can't pay my monthly bill because I get mutiple amounts that don't correlate to the account summary. I also asked XXXX at Aidavantage why I'm not in forbearance as I wait for my SAVE application to go through. Which she told me I did not apply even though I have the confirmation from the goverment.
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (SC)

Certified Mail # : XXXX  XXXX Discover had discriminated against me. According to the Federal Equal Credit Opportunity Act I am exercising in good faith my right to extend credit. Discover has provided the reasons for discrimination against me which includes my credit score. Based on Discover 's policies and the Consumer Reporting Agency my credit score is insufficient to deny my credit approval. Im extending my credit to Discover.