davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (TX)

Received a debt notice XXXX/XXXX/15 for a medical service rendered over 5 years ago. This is the XXXX notice of any debt related to unpaid claims. Deadline of XXXX/XXXX/15 to pay or be reported to credit bureau. Requested proof of the debt. They said they will mail it to me but I wo n't receive it by their deadline. This situation seems like a scam. I called XXXX and was treated rudely each time.
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (PA)

I opened a Business account w/PNC on XXXX/XXXX/2016 with a {$10.00} cash deposit. On XXXX/XXXX/2016, I deposited {$60.00} cash, giving me a total of {$70.00} account balance. On XXXX/XXXX/2016, after reviewing my online banking site, I saw no deposit for XXXX/XXXX/2016. I called business banking customer service & was told my account was in the process of being closed by PNC. There has been NO communication from PNC whatsoever to tell me why. I have initiated all communication with the bank, the branch & customer service. On XXXX/XXXX/2016, I again call business customer service to see what status my account is in, again I 'm told it 's in the process of being closed. I was told I could go to the branch & get my {$70.00}. I go to the branch was told that because the account was on hold & that a check was in the process of being cut, they could not give me my {$70.00}. XXXX XXXX, whom opened this account, called yesterday @ XXXX to tell me she would get answers to what 's going on w/my account. It 's now XXXX on XXXX/XXXX/2016, I 've still heard NOTHING from PNC whatsoever. I 've again left messages ( at least XXXX & XXXX emails ) w/the branch & with XXXX XXXX.
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (LA)

I received a XXXX form Chase Bank charging off my debt owed to them, I opened an account with them in XXXX when in the military and up until XXXX never missed a payment. This was a joint account and in XXXX XXXX I got a divorce and was ordered to carry this amount with me. In XXXX I was advised to stop making payments and fell behind. In XXXX I received the XXXX charging off my debt. I filed the charge off on my XXXX federal tax return and thought I was done. 

Chase had been reporting on my credit report that the balance had been charged off and was showing at {$0.00}. When XXXX requested a background check on all employees in XXXX the account on my credit report reverted back to the original balance and my credit score dropped almost XXXX points. I just want Chase to show my balance at {$0.00} and not past due. I know it will remain on my report for a certain amount of time but reporting it as is will really continue to hurt my credit rating. It seems to me that Chase is double dipping, they charged off my account and I file on my taxes for the funds and now they are still saying I owe on my report.
Consumer complaint received 2016-10-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Unisa, Inc (CA)

Every now and then when I make a payment to my student loan account with UNISA, the payment never reflects as being posted to the account. 
I have to contact them and let them know that a payment has been made and that my balance has not been affected. At first I was told that this was an issue with the new site. 
Although this has happened several times in the past. When I e-mail them to see what my balance is they tell me it is a balance that does not match up with what the site reads. 

Sometimes the payment that I have made will show up on the site, it just wo n't affect my balance until I reach out to them. 
Sometimes the payment does n't ever show up on the site until I have to e-mail them to follow up. Every time I reach out to them they swear up and down that everything looks good on their end. 
But the information that they have never matches the site. Something is definitely going on over there. Either someone is manually entering everything on this site or these people are trying to steal from XXXX students that do n't pay attention to their finances. 

Please Help
Consumer complaint received 2022-08-04
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)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2015-09-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (KY)

I believe BB & T is intentionally reordering transactions to cause overdrafts. Let me explain ; We were customers of The XXXX for 5-6 years and we never had problems with our account, but recently they were bought out by BB & T. Since the bank switched to BB & T on XX/XX/XXXX we 've had nothing but problems with both the level of customer service and OUR ACCOUNT in general. We have a business banking account and a personal account and both have been hit with fees totaling over {$600.00} since XX/XX/XXXX. This is after not having any overdrafts the previous XXXX years. The way they 've brought transactions through reminds me of XXXX XXXX XXXX, 6-7 years ago when they were reordering transactions from highest to lowest because they knew they would generate more fees. BB & T is doing the same thing to consumer, now, and they need to punished. I would print off my overdrafts to show you, but I think BB & T charges me for that service too. I would highly recommend you investigate BB & T as word is spreading quickly around XXXX Kentucky- other banks are getting new customers as people close their accounts at BB & T . We 've heard from a handful of different people complaining about the same thing and our credit union has even told us they 're hearing a lot of negative things going on with BB & T. Please do n't hesitate to contact me if you need me to provide more info. My email is XXXXXXXXXXXX and my phone number is ( XXXX ) XXXX
Consumer complaint received 2017-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

My husband and I both graduated from law school in the mid  XXXX  's and  XXXX   XXXX  suggested we do a joint consolidation of ou r Fede  ral Student Loans. This has been a disaster as we are not ineligible for Public Service Loan Forgiveness, but th e communication issues and bad advice did not stop there.     In  XXXX , we applied for  an Income Driven Repayment plan an d we were approved. We had a payment of {$0.00} for most of the  three  years we were on the plan. At some point during this time,  XXXX   XXXX  switched  to Navient. Navient lo st our paperwork for  XXXX , even though they sent us an email saying they got it. The girl I talked to on the phone told me that our payment would still be {$0.00}. I did not think another thing about it until  XXXX   XXXX . I recieved a call from a company called  XXXX  telling me our student loan was in  Default. ( Our cred it is now ruined thanks to this ) and we had no clue that there was even a problem. I calle d Navient an d they claimed to have NO RECORD of this loan or transaction.     Based on what I can tell from  XXXX ,  Navient apparently had transfered our loans to a state agency in NY -- - XXXX  ? who  again never contacted us, and even if they had, we would not have known who they were or that we had ever agreed to do any business with them ( because we did not ). I sent  XXXX  ( at there r equest ) a n email asking them to open an investigation into the matter in mid  XXXX . Ab out 2 weeks a go, we recieved a letter telling us the investigation was still ongoing and that we did not have to do anything. Then today, on  XXXX   XXXX , we received packets from this  XXXX  and  XXXX  telling us that we have 11 day s ( until   XXXX   XXXX   ) to request a hearing and a copy of our records in writing, or they are going to pursue a garnishment against us. We have had zero  communication regarding the outcome of the investigation, and this should require a minimum of 30 days notice under the FCRA.     Most shockingly, our balance was increased from {$170000.00} to {$210000.00}. I was laid off at work this month due to funding cuts, and so this is causing me significant stress. My husband is a school teacher, and we are just not in a position to pay the original debt much less the extra money they added on due to their error. They refuse to listen to me or properly investigate this matter, and I am really hoping you can help since you are familiar with their shady business dealings.
Consumer complaint received 2015-11-16
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

I am asking for your assistance with this matter of relinquishing me from this loan for this leased vehicle. 
Please understand, I was coerced in this process. Being in an abusive situation for four years I did n't have any rights or choices for myself. There was no option for me to say no I am not co- signing, I chose to LIVE as the option when I signed my name. Now that I 'm free from my abuser I still am unfortunately binded in a situation with coerced debt. I have never driven the car, do not have a key, the car is not in my possession, I ca n't make any transactions with XXXX XXXX, collaborate or consult with him, because I fear for my life. 
I would like my name to removed from the loan.
Consumer complaint received 2021-04-21
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. (IL)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress youve caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2016-07-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (TX)

No answer. 
When I call them back, they ask for personal information that I do not feel comfortable releasing over the phone. ( i.e. address and SSN ) I have asked several times why they are calling. 
The response is " ERC, we are attempting to collect a debt '', however refuse to tell me what debt.
Consumer complaint received 2017-03-06
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

I did not receive a XXXX form for a savings account from Key Bank. I contacted the banks website and received a reply telling me that they had sent XXXX for one of my accounts ( true, I have that ) but had NOT sent the XXXX for my other account. They advised me to go to my local bank to request a duplicate. I went to my local branch XX/XX/2017 to request a duplicate. The bank manager stated that he could not give me a duplicate because Key Bank was behind schedule had not yet made XXXX forms for many accounts including mine.
Consumer complaint received 2015-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ERC (MN)

I am writing because today XXXX of my parents received upsetting voicemails on their phones directed at me. The person on the line personally identified herself, then implied that she was an official legal representative communicating a message regarding district court proceedings against me in our county of residence. She stated that there were " various official complaints '' against me and that I could still contact the " Plaintiff '' at a provided number. 
My parents and I are well informed regarding legal process, so it was immediately clear that it is not time to call the lawyer. After matching the number from the voicemails to my credit report, I found that this was a call from Enhanced Recovery Collections XXXX., which was never disclosed in the communication. 
I am in the process of repaying debts accrued while injured and unable to work. I can not pay everything at once, however, and using indirect, deceptive practices such as this is not helping me to understand my debt or how to repay it. Impersonating the local government and making slanderous statements about numerous complaints against me in the court is very upsetting to both me and my family.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

According to Experian 's report number  XXXX , the  XXXX  account should be removed as of  XXXX    XXXX   ( I have had difficulty getting them to remove accounts promptly in the past ).
Consumer complaint received 2016-07-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MA)

I attempted to contact a loan provider in regards to a loan towards the end of XXXX. I was given a number of the bank branch to call and was not able to get in contact with them. A month after initial contact I got a letter in the mail from collections. I called and left a message and I did not receive a call back. I recently started a new job from being a XXXX to an XXXX at XXXX XXXX and XXXX. On my second week on the job XXXX XXXX from Stillman and Associates called my job and upon receiving the call I notified and requested he never call my job and gave him my cellphone. Today XXXX/XXXX/XXXX I got back from my lunch and my supervisor informed me that a XXXX called and aggressively asked for me by name after I explicitly told him not to. He then called my cellphone I believe and continued to try and bargain with my loan. When I informed him I am in a tough situation he began to say my co-signer has the assets and if I could n't pay it, he would then go to him to collect.
Consumer complaint received 2017-02-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (CA)

In the first week of XXXX 2014, I paid ERC XXXX dollars for a XXXX phone bill over the phone with a debit card to my bank account.In addition ERC charged a fee in excess of that amount to pay them.not for expedited service but to simply pay my debt. 
Even though the fee was less than XXXX dollars, ERC DOES NOT DISCLOSE this total amount paid on my credit report.The reason they fail to is that " pay-me '' fee is illegal according to CALIFORNIA XXXX FDCPA.IT WAS ILLEGAL/FRAUDULENT TO CHARGE ANY FEE THAT WAS NOT EXPRESSLY DISCLOSED IN XXXX ORIGINAL CONTRACT.Additionally they have verified to XXXX and XXXX that the account is paid in full not in excess of paid in full and do not disclose the amount actually paid by me,
Consumer complaint received 2015-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ResidentCollect, Inc. (AZ)

This company is a collection agency and they added an item to my credit illegally. By law they have to notify me of the debt and allow me 30 days to dispute it. I was never notified of this debt, nor given a chance to dispute it. This debt is not valid as I was living in an apartment unit that was not safe to live in and had to move. Shortly after I moved, the units floor collapsed and rendered the property condemned. Since this company failed to notify me of the debt in a timely manner and failed to allow me to dispute it, I can not rent with any other landlords. Them adding this to my credit illegally has affected my ability to get a place to live. The landlord was given proper notices and opportunities to fix the unit I lived in but failed to do so. I legally vacated the unit and there should have been no further charges or debts. If this company would have notified me of the debt, I would have showed all the proper evidence to justify my moving out, therefore it would have never appeared on my credit.
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (NC)

PNC Bank reports to credit bureaus that a checking line of credit is charged off. 
The account was paid in full, and the amount was also disputed from 2013. The account is paid in full, and PNC Bank can no longer report it as charged off, due to the fact that legally the term charged off is an IRS tax reporting issue, and the STATUS is now INCOME, and PNC is required to pay taxes on it. It is no longer charged off and it can not be reported as such to the credit bureaus. When the agreement was made with PNC to pay the DISPUTED amount, in full, PNC made direct promises that the account would be reported to credit bureaus as PAID IN FULL. Legally it is no longer classified as charged off.
Consumer complaint received 2015-09-18
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (CA)

I was making a purchase on ebay, and paypal is linked to my ebay account for purchases. I already had XXXX credit card and XXXX bank account linked to my paypal account. I added a new credit card to my paypal account for this transaction, from XXXX XXXX XXXX. After adding my card, I clicked on " Continue and Pay. '' The next screen asked me for my last XXXX SSN as well as my birthday. I entered this information thinking it was for account verification, since I did not enter my password yet. As soon as I clicked " OK '', it said I had been approved for a XXXX dollar PayPal Credit line! I never even knew I was in the application screen for PayPal Credit ( card ). I called immediately to PayPal support who told me that all they can do was close the account, but the damage had already been done. I have bad credit and was in the process of repairing my credit score, and now I have another credit pull, lowering my score. I did NOT want this credit line from PayPal. I asked the representative if many other callers have had this happen to them, and she told me she gets calls about it all the time, but nothing ever changes even though it has been reported to her management and executives. They are knowingly and deceptively tricking people into signing up for a PayPal credit line. Even though I had JUST added a new payment method ( my XXXX CU credit card ) for some reason it just defaulted back to applying for PayPal credit. I even find the name PayPal credit to be misleading, as I thought it was referring to the XXXX dollars I had in my PayPal account. But no, having any PayPal credit does n't refer to your PayPal account balance ... it 's the name of their credit card. My credit score has now been damaged and I need action to be taken against PayPal for their malicious and devious actions.
Consumer complaint received 2016-12-22
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

A man called my wife in the morning from " XXXX '' XXXX. He basically disclosed to her that they were suing me for a debt that i have with ace cash express. I called this number to speak with them personally. The man never gave me his name and he never mentioned what " XXXX '' stands for. He started of by telling me he was an attorney of some kind and they were taking legal action against me for a fraud i commited. When i asked him to send me a letter to validate my debt he got angry and started to threaten me with a lawsuit and then started yelling at me telling me " a real man should pay his XXXX debts '' and for me to " pay my XXXX debts '' and hung up on me. I called ace cash express to confirm the debt that i owe to them and i do, but when i told them the story they stated that those are bad collection attempts and ace would never sue me for a debt. So i called XXXX again and i asked for the guys name and what the company abbreviation was and he never told me his name nor the actual name of the company. My wife was very frigthened about this and has caused an uproar about this. Please help us resolve this matter. If these people are harassing us, how many have fallen victim to these threats. thank you kindly for your time and XXXX
Consumer complaint received 2016-07-23
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

I had a payday loan and was unable to make payments due to a cash flow problem. Setup a repayment plan which after a few payments was unable to meet obligations due to still having cash problems. Instead of notifying me by mail of an attempt to collect a debt owed these people without warning went into my checking account and took the money causing my account to overdraft and causing me even more financial hardship
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (VA)

For my account beginning in XXXX, XXXX XXXX told me they would delete this off of my credit profile for payment even though this account was not opened by me. All I want is for this account to be removed from my profile as they promised. I settled a debt that was n't even mine, and now they continue to report to all XXXX bureaus. They are also reporting XXXX separate accounts to the different bureaus which is illegal as well. They offered deletion upon settlement, and now they have done a " bait and switch '' for their money.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CT)

There are incorrect addresses and a incorrect name on my report. I was told to send in proof of address and name which I did and the reporting agency, EXPERIAN, did n't remove it like they said they would. It 's illegal to report inaccurate information.