davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

I previously submitted a dispute regarding XXXX which they added collections accounts to my credit report. It was established the XXXX was the legal owner of the accounts and that a dispute was filed with XXXX on XX/XX/2017 in regards to the balances placed in collections. XXXX reviewed the accounts and informed me that they had no record of any of the balances provided by XXXX. XXXX then stated that they found updated statements for the balances after the correction were made for payments by the insurance provider. A dispute was filed against XXXX for adding a collection to my credit report and as a result the collections accounts were removed. Between XX/XX/2017 and XX/XX/2017 XXXX added the same collections accounts again to my credit report by changing the original creditor from XXXX to XXXX. They also combined all the balances for the previous accounts and created a new balance of {$900.00}. We attempted to contact the original creditor XXXX regarding this account and we were informed that no account information exist for a balance of {$900.00}. The also stated that all billing for XXXX physicians is handled through XXXX billing. We have never received a billing statement regarding a bill for {$900.00} in regards to any XXXX service. We have been in contact with XXXX XXXX XXXX billing and they informed us that the only payments that are currently outstanding includes bills for : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively. These accounts are currently being handled under another collection agency called XXXX, but XXXX has since requested that they be removed from collection due to a payment planned established with XXXX. XXXX is illegally placing collection information on my credit report after erroneous and inaccurate information has been deleted. They are doing this in violation of the current FCRA laws. I attempted t submit another dispute but was not allowed to do so by CRA 's. 

XXXX This is currently delinquent but has since been charged off. Due to the current FCRA when an account has been charge off the remaining balance is suppose to be charged to XXXX to reflect that the account has been charges off and no balance is due at this time. At this time the account still shows a balance owed. I attempted to dispute this information also but was denied.
Consumer complaint received 2017-04-07
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I am an XXXX citizen living presently in XXXX. 
I was telephoned with an attractive sales offer and I started to pay the item ( a diamond of {$5700.00} ). However, I soon realized that it was a scam, for the seller, by telephone, assured me that he already had a buyer for the diamond in question. ( If it were legitimate, why would he continue to sell it when he could get more for it elsewhere? ) Since this made me suspicious, I tried in vain to verify the address of the seller. He claimed to be located in " XXXX, XXXX and XXXX '' but no specifics which I could verify. 
So, I asked to cancel the sale and refund me the money which I had already sent through PayPal. He made me think I would be refunded and said that the treasurer would get in contact with me for the bank details. I waited and waited until I realized that there would be no refund. 
When I filed a dispute with PayPal, the seller said that the delay for retraction had expired and that I would have had to send a registered letter to the " XXXX office ''. It was then that I found out the address, at least in XXXX. ( I have serious doubts that they have anything in XXXX or XXXX. The XXXX office is a tiny store frontage on a back street of XXXX. ) For your information a sales contract by telephone in XXXX is not valid without a written and signed sales contract presented by the seller to the proposed buyer. I never saw a detailed contract from him and did n't even know his address and sales conditions until it was too late. I have not received the diamond and do not want it. I just want the money back that PayPal advanced for me to the buyer ( {$1500.00} ). 
In addition to this, when I logged on to the sellers internet site, I changed the password for my " habitual '' password, unfortunately that used for my PayPal access. Shortly thereafter, PayPal notified me that my account had been breached from an unknown location. I immediately changed my PayPal password. Of course, I have no evidence that the seller is responsible, but it is very suspicious!
Consumer complaint received 2021-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

( XX/XX/2020 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1681B ( 2 ) /3A ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. 

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Consumer complaint received 2017-03-29
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (FL)

I have a business account with citibank. A customer placed an order with me by phone, the amount of the invoice was XXXX USD the customer told me that he would pay with a citibank check and he would deposit on my citibank account, I told him that the funds have to be available before I can give the merchandise, he deposited on XXXX on XX/XX/2017 but it was pending, the next day XX/XX/2017 I saw my funds available online, not satisfied with this, I went to a citibank atm and printed out the available money receipt, not satisfied with this I called Citi Business and talk to a representative that assure me that the check was deposited and the funds available so the customer came with his truck and took the merchandise. Today XX/XX/2017 Citibank takes the money out of the account with a hold, when I go to the branch they tell me that in fact the deposit made on a Citibank branch with a citibank check but the account number does n't exist and that they are not liable for this that I should until they send the check to me and I should place a police report, but that they are not responsible. I would think that, inmmediatly as soon as the fake check arrived to the teller since its from the same bank they would know is fake and that they are responsible. 
Name of the Account : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

I 'm serviced by Navient, I was required to start paying back my loans before I had actually graduated a year after take a leave of absence form school because of the economic downturn at a time when I had only XXXX class left to matriculate. Navient encouraged me to use forbearance during this period when I might have been directed to an ICD or ICR payment plan. I would like Navient to be require at minimun to be responsible for the increase of debt/payments resulting from this.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

There are several inquires listed through a company named XXXX XXXX. I did not give anyone authorization to pull my credit XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I am disputing this and disputing with the actual company. This has to be against the law. Why would anyone pull their credit three times in one month?
Consumer complaint received 2017-04-06
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Uber Technologies Inc. (FL)

I got approved for a lease through Xchange Leasing ( an Uber subsidiary ) on XX/XX/XXXX with only XXXX down payment. I picked the car on XX/XX/XXXX and starting driving for Uber that day. The payment agreement was XXXX weekly. The problem here? First, I reported car issues on XX/XX/XXXX. Those problems begins with aligment, low coolant, transmission sometimes making rough gears after heavy usage during the day, and the car can tremble or start to fail on a stop when turning off AC for a while. I signed the contract and one of the documents said that the car was fully inspected. Second problem, they did n't took the first weekly payment from my Uber earnings as supposed, then it was really a pain to contact them and had the response on time, they only have email for our problems! The agent XXXX never told me if the issue was resolved or not, I had to give it a try to see if I can send the payment through XXXX, and it worked. Now the car was still with troubles and I decided to give up with this irresponsible company and return the car with only 2 weeks of usage. They are now demanding to pay up to 5 weekly payments, they will take XXXX of my XXXX down payment. I know that was on the contract, the only thing here, is that I did n't mean to break the contract on purpose. They gave me a car with serious issues and clearly not well inspected and now I have to pay the price for their fault? Seems to me this business is a complete scam. I only want them to stop charging me for the 3 remaining weeks because of all the troubles they caused me. It 's not fair that I wanted to keep the car and work and they did n't handle this with a properly manner and they did n't even care, only for the money. This a an hoax.
Consumer complaint received 2017-03-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sharinn & Lipshie, P.C. (NY)

I received a letter form Sharinn & Lipshie, P.C XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, NY XXXX XXXX..stating that i owe a debt from 2009. I advised the the representative that this is a fraud debt. I have never owed this money nor have i made these charges. The representative hung up and the next day they froze my bank account. When i asked for the XXXX paper work to show that they had the right to freeze my account. They advised me that they do n't need to send me any paper work. I notified them that this is all fraud and they state that they do not care, They will continue to freeze my account. I filed a fraud Affidavit and sent it to them as well.I need my bank account release and my name remove from this debt. I am not responsible for this debt.
Consumer complaint received 2020-04-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PROSPERITY BANCSHARES, INC. (TX)

XXXX XXXX XXXX Reported me late to the credit Bureau and has violated their Forbearance agreement due to COVID 19. I applied for a forbearance due to job loss. I was told not to pay. I advised the bank that I will pay this loan off with funds from a 401k plan. That I just needed time to pay this off, They approved my forbearance and waived late fees. I have disputed this with all 3 credit bureaus. 

On XX/XX/XXXX I requested a forbearance via telephone. I was advised by the representative that If I don't hear back from her in 48 hours the forbearance would be approved. On XX/XX/XXXX I sent an email to follow up in regards to the forbearance. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX stating I was granted an extension and that my next payment would be due XXXX. On XX/XX/XXXX I received funds from my 401 K plan and paid off the loan in the amount of XXXX. I was advised by XXXX XXXX XXXX in the collection dept. That they would consider correcting the late score due to these unprecedented times. The loan # XXXX with XXXX XXXX XXXX
Consumer complaint received 2016-04-27
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC (NC)

Best describes for my issue is all the above. The collection agency Never sent a bill, notice of the debt, and no collection letters. I was notified with legal papers to garnish my wages. That 's how I learned the debt was with a collection agency. The US dept of education garnish my XX/XX/XXXX & XX/XX/XXXX federal tax refund. I have n't received a bill since that was done. I got a letter from the US Dept of education advising my refund was taken. That letter is from XXXX XXXX. Now 6 months later I 've received from a collection agency a garnishment letter ; no communication received prior to this garnishment letter dated XXXX/XXXX/XXXX.
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (FL)

I have a list of collections and creditors that repeatedly get removed only to be reinserted, sometimes the SAME DAY! Some are removed from my credit report and put onto my husband 's report, others just get reinserted or change company names. Some are disputed and then removed, sometimes the previously removed items are reinserted and deemed valid, by the credit reporting agency that removed them previously.
Consumer complaint received 2017-03-16
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (CA)

I have called both department of education and the federal loans agency pertaining to appropriate forms and options. 
I found out I had to apply for public forgiveness and income driven repayment ( XXXX payment ). I have filled out these forms both hardcopy and electronic. I faxed the hardcopy to the number provided on the form itself and the electronic side was additional documents that did get confirmed ( received ). 
I call a few days later to make sure everything went through and they claim they did not receive any forms to process. I submitted the forms over XXXX times. they are not flexible and continue to charge me despite my attempts to resolving and managing my student loans.
Consumer complaint received 2022-01-05
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: EQUIFAX, INC. (GA)

It is fact that I, the affiant, have tried to resolve this matter on numerous occasions dating back to XX/XX/XXXX with XXXX XXXX XXXX. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$5900.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. I was recently informed that they have closed and sold my account to another debt collector, XXXX XXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with XXXX XXXX on the dates of XX/XX/XXXX and XX/XX/XXXX. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AL)

My old accounts from XXXX XXXX Bank were removed from all XXXX Credit Bureaus when I previously checked my credit report in XXXX of 2016. When I checked my report on XXXX XXXX, 2016 the accounts were back on my report and updated inaccurately without any notification.
Consumer complaint received 2017-03-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (TX)

Statebridge Company handle my loan for over 2 years since XXXX during that time we were in chapter XXXX. A loan modified was establised to pay any arrears through the court. The courts paid over XXXX, we also made our regular payments {$1400.00} I requested statements from statebridge on several occasion. I was told they could not speak to me due to being in chapter XXXX. My loans was sold on XX/XX/XXXX to XXXX. I ask my attorney to sent documentation giving them permission to speak with me. they advised me because their attorney was handling the chapter XXXX they could not discuss payments or anything else. I ask over several difference incident to provide me a statement of payments and how our payments were applied to our escow, they said again they could not discuss the account .I believe they are deceitful to their consumers because they are a debt collection agency for your lender. This is a way for the lender and debt collection agency to take advantage of consumer because we are not fimiliar with mortgage laws.
Consumer complaint received 2017-03-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (NC)

Ally Financial is reporting a defaulted auto loan on my credit report. This loan is in someone else 's name. I am not a co-signor on this loan, and my name is not on the finance contract. I have disputed this account through the credit bureaus, but Ally Financial refuses to delete it from my credit report.
Consumer complaint received 2020-04-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (DC)

I have a VA LOAN with XXXX Loan Servicing XXXX sub servicing by Loancare XXXX XXXX XXXX. In XX/XX/2020 I accepted an offer from a buyer to sell my house. On XX/XX/2020 my title company XXXX XXXX contacted Loancare for a payoff statement. They provided a payoff statement of {$140000.00} an amount they stated was good till XX/XX/2020. The house was sold and the closing date was XX/XX/2020. The title company wired over the payoff of {$140000.00} to Loancare. On XX/XX/XXXX Loancare contacted XXXX XXXX stating the payoff was short. I called Loancare and I was told it was short due to hazard insurance disbursement they made after the payoff statement, I was informed that my escrow was short {$550.00}. I proceeded to pay Loancare immediately {$550.00} from my checking account to zero out the escrow based on what they told me.Over the last two weeks I've been calling Loancare to ensure the loan is paid off and my account closed. Yesterday they sent back the wire transfer to the title company stating the payoff was short, this is after my {$550.00} direct payment and the payoff from the title company.Now they are claiming the payoff is {$140000.00} due to late fees. I believe Loancare is practicing deceptive, unfair and abusive acts. They are coming up with miscellaneous charges and expenses are trying to have consumers pay more than they owe. They are trying to have consumers float the bill for their lack of due diligence and are passing on unfair costs to consumers. Please I need your help resolving this issue. Thank you in advance.
Consumer complaint received 2017-03-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CB1, Inc. (MT)

No contract about these debts. Never got a bill or anything from these medical agency that are more than 3 years old. Stop attempting to collect on fraud information and fraud medical services. They have NO contract. 

So the credit agency attempts to stalk, contact, email excessively. 

Please tell them to go away. 

XXXX http : //www.cbbcollections.comXXXX
Consumer complaint received 2017-03-29
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (TX)

I have had to call Care Credit and/or talk to multiple representatives six times in twenty days. I have never experienced such horrible customer service and lack of professionalism. Every time I call Care Credit, I am told finance charges are being waived and that the payments will be adjusted from the Promotional Balance and placed on the Revolving Balance as I have requested. I am also told that the payments I am currently making will be applied to the revolving balance as requested. Yet, every single time I call or get a new statement, nothing I have requested has been done, or it has been done at one time, and then reversed to the promotional balance. I have to micromanage this company every single day. They apply the total payment to the promotional balance in order to keep all of your balances active so that they can continue charging the maximum interest and assure that your balances do not go down.