davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have reached out to all parties associated with the UNAUTHORIZED inquires. The company states that is is the credit bureau who removes inquiries. I reached out Experian with no result and the worst customer service dept ever. Who has no knowledge on anything and can never provide you with a supervisor. These inquiries was ran without my knowledgement. These inquiries are not for any credit offer, insurance etc. The was done online according to the companies. There is company of and id or social security card or signatures.
Consumer complaint received 2017-04-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CIR, Law Offices (CA)

I was sued and had a wage assignment for a credit card issued by Chase that I also received a  XXXX  for. The debt was cancelled, I paid taxes on it and I still had the wage assignment. I paid over {$5000.00} through the wage assignment. This was done by  XXXX   XXXX   XXXX   XXXX  and CIR Law Offices. I want to recover my funds.
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TN)

I have made several principle only payments to my student loans with Navient? Instead of them applying all of the extra payments toward the principle, Navient takes interest payments from the extra principle only payments and applies the remainder of the principle only payment future months payment so that they can earn interest from principle only payments. When I make these payments using Navient 's website I choose the option which allows me to make the principle only payment and I still would be responsible for the next month 's payment.
Consumer complaint received 2017-04-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Renton Collections Inc. (CA)

Renton Collections. This has been going on sin ce  XX/2016 . They c ontacted me by phone several times over the past few months, in which I requested written proof of the debt in question. I asked for proof and even went to dispute it, but I was told it was easier to pay it off. In which I have paid monthly payments of {$50.00} to {$150.00} and now find out that not only is the debt in dispute, the total amount was charged off and I do not owe any money and that it was paid by my insurance company. Not only am unsatisfied with their operation, practices, but false names false acquisitions and finally, They WITHDREW {$50.00} ON  XX/XX/2016    YOU WERE NOT AUTHORIZED TO DO.   I do not have any responsibility for the debt they are collecting, I told them if I am responsible for this debt, mail me the documents that make you believe that. THEN THEY stop all other communication with me and with this address under RENTON, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and sent it to another DEBT Company and also would not indicate to them that it is disputed. reported it to a credit bureau, also report that the debt is disputed. I contacted the BBB, They have numerous slanderous complaints. They do this to people under different names. i even told them THEY were being recorded and they changed their name and hung up.     Thank you for your cooperation.   Sincerely,  XXXX   XXXX ,  XXXX .    XXXX  see :  Renton Collection    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (SC)

Fed Loan did not apply multiple payments sent by me via my bank 's auto pay function. Fed Loan then changed my payment without notifying me. I continued remitting correspondence as well as my payments, and could not understand why my payments were increasing. All correspondence I received was auto generated and never once addressed review of my account as I requested on multiple occasions. On  XXXX   XXXX  , 2017, I fin ally received a letter from Fe d Loan o utlining the payment increased and background information regarding the account. I was never notified over the course o f two y ears that they kept increasing my payment - if I was notified, I would have made the correct payment. This is extremely unfair as now my credit standing has been damaged through no fault of my own. In addition, I disputed multiple components of their letter and sent a response on  XXXX   XXXX  . 2017.
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (PA)

On  XXXX   XXXX ,  XXXX , I opened a Mastercard  XXXX   XXXX  account. The holding bank was : BARCLAYS BANK  XXXX   XXXX   XXXX , DE --  XXXX  I closed the account in late  XXXX . I had n't received the card, and was n't using it. The representative I called agreed that my account would be closed. I paid off the final fee. A year later, I was sent a bill for my new annual fee, even though I had asked to cancel the card. On  XXXX   XXXX ,  XXXX , I again called the service center associated with the card. I was told the fee would be waived and my card would be canceled. Instead, Mastercard kept on billing me, loading my credit report with a late payment. I 'm told I now owe {$130.00}, and I was denied today in applying for a new credit card because of the impact on my credit report. I would like the {$130.00} to be waived, and the association with Mastercard and Barclays erased from my credit report. Best regards,  XXXX   XXXX
Consumer complaint received 2017-04-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I contac ted Navient regardi ng my private loans &amp; requested to see if they can lower my monthly payments. I authorized Navient monthly payments in the amount of {$250.00} to be withdrawn monthly from my bank account. I submitted the documentation that they reque sted ( pay stubs &amp; bank statements ), however th ey advised after a financial review, you appear to have the ability to maintain the contractual terms ( $  XXXX  monthly ) .. Since my BF transferred money from his account to my account, they are now requesting his bank statements as well. My BF does not want to disclose his bank statements since he is in no obligation to pay for my debt. I contact ed Navient to advise  of the situation and they still are unwilling to lower the monthly payments. I spoke with a  CSR (   XXXX   )  on Sat  XXXX / XXXX /  XXXX  . She was extremely unhelpful &amp; advised me to call m y CSR (   XXXX   ) since he is the one wo rking on my account. I reached out to  XXXX  on Wed  X/XX/17    to advise my BF does not feel comfortable releasing his bank account information since this is not his debt and he is not obligated to pay for this debt.  XXXX  advised me without this information he can not further assist me or do anything for me. I advised him I only make {$35000.00} a year &amp; there is no way I can pay {$590.00} a month. He advised me in the last 5 years I have had  XXXX  rate reductions and they are under no obligation to reduce my monthly payments. I advised him because of my financial situation was the reason I had to file for bankruptcy last year. I advised him if I was able to make the monthly payments of {$590.00} I would be more than h appy too &amp; avoid m yself the headache and frustration of having to deal wi th Navient. I a dvised him since they are not willing to accept the monthly payments that I can afford to make, I unauthorized for them to deduct any future payments from my account until this matter was resolved. I advised him I was going to file a complain with the CFPB for their assistance in this matter. I looked over my credit report today &amp; they have reported me to the credit bureau as being 90 days past due, but m y 1st pay ment was not due until  XXXX  so how is it they I am 90 days past due. I am asking the CFPB to please assist me with this matter. Thank you.
Consumer complaint received 2017-04-20
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Bliksum, LLC (CA)

Company name-   XXXX   XXXX   Account balance starting back to  XXXX   XXXX , {$2500.00} Payment amount monthly- {$390.00} Balance as of this day including sending a check for {$2500.00}  XXXX   XXXX ,  XXXX  for pay off includes an additional amount of {$960.00}. Have an email confirming additional amount squeezing me for more money.
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Perfection Collection (GA)

The original creditor is   XXXX   XXXX   XXXX   XXXX   or they also go by  XXXX .     I have been making payments to  XXXX   XXXX  collection agency since  XXXX    XXXX  . Another collection agency reached out to me a few weeks ago saying they had my account from  XXXX  and asked that i setup a payment arrangement. I refused and let them know that I was already making payments for this debt to another agency.     Now perfection collection has placed this debt in the amount of  XXXX  on my   XXXX   XXXX   credit report and i can not possibly owe two different collection agencies  two  different amounts of money for the same original creditor.      XXXX  said that my original balance before making payments was approximately {$700.00} now Perfection collection has reported a balance of {$1500.00}.     I have tried conatcting ADT multiple times to get information about the the collections agency they sold the account to and I am never able to get anything that mirrors the agencies that have contacted me. The only thing that  XXXX  was able to provide was that in  XXXX  the account was sent to  XXXX   XXXX   XXXX   XXXX   (   XXXX  ) and that in  XXXX  it was sent to  XXXX  (  XXXX  ) I have tried calling these numbers and get nowhere.  XXXX   XXXX   XXXX  who says that they work for perfection collection has made the most recent contact with me about what has been reported to my credit. At the end of the day I do want to pay only what i owe to the correct collections agency and right now that is not clear to me.     please let me know what my next step should be to get this resolved expeditiously.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

ATTN : Legal D epartment, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsectio n ( 8 ) (  D ).   The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, sectio n 623, subsection ( 7 ) ( A ). To  date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accou nts may constitute th e reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It is my understanding that t he FCRA 623 ( 8 ) ( E ) ( iii ) establishes  a time-frame for these issues, and that se ction 621 of   the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit re port as : 1.  XXXX   XXXX   XXXX  This account has never been verifed and I have never done business with this company. Error please delete.    2.   XXXX   XXXX   XXXX  This account is a duplicate of the same account above error please delete.   3.  XXXX   XXXX  this account has never been verified error please delete.    4.   XXXX   XXXX  this account has been delete and was never update throught the bureau please delete.
Consumer complaint received 2017-04-20
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (NV)

I am very upset with this company. They have violated my rights several times to the fullest extent and I have had it! My card was compromised and used, therefore my funds were taken out. I called and filed a claim, that of course, got denied. I called this company SEVERAL TIMES as to why my claim was denied and they flat out refuse to tell me or send me the documentation that I requested for as proof as to why I lost the dispute, WHICH IS ILLEGAL. Furthermore, their employees are rude,  XXXX , and DO NOT  SPEAK   XXXX   WELL,  which makes it harder to communicate and causes them to mix up my information.  XXXX  of the reps hung up on me, another  XXXX  kept talking over me, and even most of their reps ( who seem to be the same all the time ) are unprofessional and even calls me  XXXX , when I am a  XXXX . Also, keep in mind that I have the hardest time communicating with this company. I had a previous claim that got denied, but then honored in my favor because I was in the right. However, it took me  THREE MON THS of calling, letters, writing, re-disputing, arguing, etc. just to get it resolved in my favor that should 've been in my favor the whole time. Even when I requested for a callback from the disputes department, they call around  XXXX  when I told them several times to call past  XXXX  PST, but they still DO NOT LISTEN AFTER  XXXX  CALLBACKS! The reps name was  XXXX  who denied my last claims which I believe might still be her who is denying it. This company thinks they are always right and flat out do what the  XXXX  they want. It is time this company stops violating peoples right and listen up! Because at this point, I am being or feel discriminated since the customer service rep told me that my account got closed b y the " Risk Dept '' due  to suspicious activity on my account ( which I reported before ). So therefore, it make me believe that it boils down to concerns with terrorism/money laundering, that I DO NOT DO. The reason why I feel this way is because they know my ethnicity and the rep on the phone basically admitted it and believes that there is no reason why my claim should be denied and my account be closed. I woke up today to text messages saying my card has been blocked and that t here may be an issue  with my account. Myself was not able to login and when I tried to, it said that my account is locked and to call cust srvc, which was the same exact message when my card was being used without my permission. If their company can not speak  XXXX  well, then there is going to be a mix up of info, which is also how my claims get denied too. I HAVE A RIGHT TO FILE A CLAIM! I still, to this day, have not even got a chance to respond to the merchants response to the dispute for a rebuttal because I have n't even received the documents that were used in the investigation which again is violating my rights. I WANT PROOF THAT IT IS ME THAT DID THE TRANSACTION! THIS IS ILLEGAL, NOT FAIR, AND VIOLATING MY RIGHTS!
Consumer complaint received 2017-04-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I received a check from  XXXX   XXXX  for approximately {$7000.00} for vehicle repairs. The check was made out to myself, my wife and the body shop where we received an estimate.   My wife and I had not made a final decision regarding the repairs. We had planned on finding a more competitive estimate.   We deposited the check in to my  Regions Checking Ac count. Regions not only froze the check ... but my entire account. They told me it was improperly endorsed due to the fact that the body shop had not signed the check. This has been going on for ove r 3 week s. According to  XXXX   XXXX  ... Regions has CASHED our check. The insurance company is willing to re-issue the check but must get it back from the bank first. Regions is refusing to return it and telling me I must physically bring a representative from the body shop in to the bank to endorse. Once again ...  XXXX   XXXX  is saying the CHECK HAS BEEN CASHED. It would appear the only party benefitting from the insurance settlement is REGIONS BANK at this point. I want regions to clear that check ... and deposit in to my account and stop holding my money  hostage. They  should not have the right to CASH the check and hold the funds. If there was a problem ... they should have returned the check NOT cash it and HOLD THE MONEY earning interest. This is upsetting to me and I feel like the bank has overstepped their powers ... and is acting like they get to decide things they have no jurisdiction over. Give me my money. I will worry about the body shop and state farm and my personal business.  Three weeks  is ridiculous. Time to move on. If there was concern about the endorsement ... enough time has now passed to clear the check. Please contact  XXXX   XXXX  at Regions Bank in  XXXX , GA.
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MA)

I took out a federal funded consolidated student loan to put my son through college. My initial loan in  XXXX   XXXX ,  XXXX  was for {$120000.00}, now on  XXXX   XXXX ,  XXXX  is {$130000.00}.   Also, in total I had a  XXXX  loan,  XXXX  loan and  XXXX  loan. I paid off the  XXXX  and  XXXX  loans totaling approximately  XXXX . I would like to know how the loan increases and not decreases. I do n't mind paying off the loan for a college education, but paying an additional {$170000.00} in interest is ridiculous. I have written for  XXXX   XXXX   ( Navient ),   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  US  Department of Education,  XXXX   XXXX   XXXX , Congressman  XXXX , Congressman  XXXX , Presid ent Barack Ob ama and the   XXXX   XXXX   XXXX   with no help, just automated letters received. I went to   XXXX   XXXX   to see if I could apply for a loan and an interest adjustment and they told me that because I did not have a college education, they could not give me a loan. My wife and I are middle class and struggle every month to make a payment of {$1000.00} for this student loan. My son also has his own loan with  XXXX   XXXX  for $  XXXX . He lives on his own out of state and struggles to pay something every month, and is constantly being harassed by them.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XXXX from XX/XX/XXXX to XX/XX/XXXX the company has went into my bank account and took out XXXX XXXX and {$60.00} they did it as a form of retaliation because I reported them for committing fraud and going against their fiduciary duties and I made a complaint on them before they disregard the fact that the consumer finance department no one is aware of them robbing me previous time before and they wanted to show me that they don't care what a day would I make a complaint because they're going to do what they want to do and robbed me and no one can do anything about it I don't care if they try to XXXX me a hundred times I'm going to report them a hundred time until they get into their head not to go against their fiduciary duty to respect their client and not to commit fraud they have stolen {$460.00} out of my account in the month of XX/XX/XXXX to the XXXX this year XXXX. So I like to see if we need to look into it and to stop them from continuously looking to commit fraud against their clients go against their fiduciary duties and during the time of Corona during our endemic they're looking to make me more poor than I am now. to not be able to can buy food or to take care of myself or my family [ XX/XX/XXXX, XXXX XXXX ] Chase Bank located in the XXXX new York area bank routing number XXXX Routing number My Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX new York XXXX My email : XXXX Bank account number is : XXXX Name of bank : XXXX Complaint sent to chase bank credit card XXXX : For CFPB there was a mistake made it is not a bank credit card this complaint is about the bank taking money from my checking account. It was meant to say ATM card and withdraw from checking saving account. So I just showed the complaint number of the first complaint and this is the correction to that complaint because it is not a credit card it is the bank going into my bank account and taken out XXXX to {$480.00} from my account the month of XX/XX/XXXX to XX/XX/XXXX XXXX