davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc. (CA)

Progressive Management Systems collection agency reported to the  XXXX  credit bureaus that I have a debt to  XXXX   XXXX   XXXX   XXXX  opened  XXXX    XXXX  . I have never been to this medical center. There would be no reason for me to go to this medical center.I have never heard of it and I do not know where it is even located. I have and had insurance with  XXXX   XXXX  and I would only go to  XXXX   XXXX  for my medical needs.   I never received any billing from this medical center but I have a collection from this collection agency. I do not know how or why this has happened but, I have disputed this before and it was to be deleted from the credit bureaus all three.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFOMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have XXXX late Medical Bills only on my Equifax report {$1000.00}, {$35.00}, {$35.00}, {$35.00}, and they have been removed from XXXX but having no assistance from Equifax I am a XXXX and XXXX Vet and also have XXXX and Medicare Insurance I see the VA for free and even If I use outside the VA I pay nothing because I am primary on both of my medical insurances. I have used medical outside the VA before and because of my Medical coverage I pay nothing. I have tried on several occasions to contact Equifax with no results and no response. I have used XXXX for Equifax, XXXX, and your agency and only been able to to get responses from XXXX which immediately removed the medical bills and your agency which sent me to this site any assistance in this matter would be of great help to have these bills removed from my credit report. again Thank You
Consumer complaint received 2017-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CMI Group, Inc. (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : 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, section 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 accounts may constitute the 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 the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 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 report as : CREDIT MANAGEMENT Account number XXXX
Consumer complaint received 2017-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (MD)

I 've been paying my student loans for over 7 years and it does n't appear that my payments are being appropriately allocated. Most of my payments are going directly to interests and taken extremely long to pay off. I 'm not able to get payment information past 12 months to get an accurate comparison of the progress that I 've made.
Consumer complaint received 2017-04-14
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TN)

I made arrangements with Navient earlier in the month. I let XXXX know I would be calling before the end of the month to make a payment. They documented this because they let me know each time I spoke with them. A representative from the company would call me several times a day, sometime hanging up in my face to annoy me. I use my cell phone for work. This company calls me from several different numbers throughout the day which makes me think they are clients or work-related. I answered the times I was available and let a representative know that the XXXX phone number called me several times each day hanging up in my face. They said it was an auto-dialer they have that does this. I let them know this was extremely annoying and I felt harassed with all of the calls especially the ones that hung up on me. On Friday XX/XX/XXXX I spoke with Navient representative XXXX ( employee number XXXX ). I asked XXXX to discontinue the calls to my personal phone and reminded her of the arrangement I 'd made previously that I would call before the end of the month to make a payment. XXXX let me know that was not a suitable arrangement. I told her that was the best arrangement I could make at this time. I 'd requested at XXXX that the call ended with the arrangement on file. XXXX refused to disconnect the call and in fact transferred me to her supervisor who continued to badger me for an explanation. I let her know that Id asked them to end the call at XXXX seconds. Supervisor XXXX ( XXXX ) also refused to disconnect the call and stayed on the line an additional XXXX minutes continually repeating my name baiting me for an argument while I remained in silence after I let her know that I would no longer be engaging due to the harsh nature of the call and my previous request to end it. After several minutes of her badgering me in silence she finally concluded that she would document the entire call and that she would be sure to call back. I am very annoyed at the badgering, the attempts by agent XXXX to bully me with her supervisor ( after I 'd asked she disconnect the call ) and Supervisor XXXX attempts to bait me into a verbal altercation.
Consumer complaint received 2017-04-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Lending Club Corp (MS)

Me and the young lady where dating and we had a joint bank account and she went and got XXXX loans in my name the other XXXX have been resolved it is just this XXXX company by the name of lending club that just do n't want to see this as fraud I have all the bank statements of how that money was received and spent she used my information to get the loan into the joint saving account then transferred it into her personal account of then she made up me a email and used her phone # on the application for contact
Consumer complaint received 2017-04-12
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TCF NATIONAL BANK (FL)

This complaint is against Gateway One Lending and Finance. I paid my car loan in full on XX/XX/2017 with a cashiers check. Gateway advised that they would release the lien in three to five days if I paid with a cashiers check. I waited seven days and went to the tag agency only to find nothing had been done. I called gateway that day and was told that they received the payment and should have released the lien. They said they would do it that day and to go back to the tag agency in three days. I went to the tag agency and nothing had been done so I called again. Once again they said they would release the lien and I could get my title. Two days later I called the Florida DMV. The DMV sent me a document showing that the lien has still not been released. This callous disregard by Gateway has cost me three weeks delay in receiving payment for the car I sold since I ca n't deliver the title. 
I had to purchase the new car in cash since I could not trade in the car without the title. Every time I call Gateway I get the run around and false promises. This is an unfair business practice.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX, I received a statement in the mail informing me about my credit protection plan. The was the second attempt they claimed to have sent me. I have never signed up for a protection plan of any sort. I am only able to review statements up to XX/XX/XXXX, and I was charged the Protection Plan fee on that statement continuing up to today 's statement. The fees range from $ XXXX- {$14.00} a month depending on the balance. This is already at {$200.00} that I have paid for a service I never signed up for. I am demanding the statements be sent to me from the opening of my account back I believe in XX/XX/XXXX. I will be contacting Citi bank in the morning. This is pertaining to a Macy 's account.
Consumer complaint received 2017-04-18
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (OK)

I was notified b y Paypal o n  XXXX    XXXX   XXXX   that my account had been limited '' what in our experience is usually high risk ''. I called  Paypal tha t morning and spoke with a customer service rep and was told my account was " limited '' and I would not be able to withdraw my funds for 180 days. I asked why this was done and I was told you will have to contact our legal department via mail '' I was confused as I have never had a single claim filed against my Paypal account. I emailed and received a phone call and was told that " do to my friends and family '' transaction Paypal has determined I am high risk. Again I asked how I am high risk as I have never had a complant. It was explained to me that " high risk '' is more or less a blanket umbrella that  Paypal  can use on whatever they see fit and under its terms of use they have the right to hold my funds for 180 days. I have reviewed the terms of agreement, which was just changed on  XXXX   XXXX    XXXX  , and they have removed the terminology where I can send friends and family money for services. This is primarily what these transaction were. I am currently in the military and used  Paypal  when   XXXX   or  XXXX . I spoke with another gentleman on   XXXX   XXXX   XXXX     who said my case would be reviewed in 30 days to determine if it was still " high risk ''. Well since " high risk '' means anything Paypal wants it to, again I have never had a claim filed against me or my account, I seriously doubt the decision will be reversed.  XXXX  ither was I find it ubsurd that Paypal ca n just arbitrarily make a decision to hold my funds for 180 days, especially considering there have been no complaints filed against me. I am seeking any help I can get at this point as all  Paypal w ill tell me is to high a lawyer.
Consumer complaint received 2017-04-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC (TX)

Capio Partners LLC - trying to collect a debt but failing to provide detail of debts.
Sent a certified letter to Capio   Partners/it was re c 'd  on  X/XX/2017     XXXX  'd a letter ba  ck from Capio stated has not completed the investigation and does not have any back up but will continue to collect debt. This is unacceptable and they should have a time line of when the back up will be provided. Please see the attached letter that I sent/rec 'd back and certified letter receipt they rec 'd requesting the info.
Requesting back up so I can verify debt. if they can not provide remove from my credit report. I will not make a pymt or pay on a debt with no back up.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I have sent all the information requested in order to have fraudulent accounts removed. I have provided police reports, Identity Theft Report, and documentation that several accounts and address on my report are fraud. I have followed all protocol provided by the FTC to handle Identity Theft. I still have accounts on my report that not been blocked or removed according to section  605B of the Fa ir Credit Reporting Act.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I have an evict ion from   XXXX   that is coming up on my record and it is preventing me from renting an apartment. This eviction was ordered by a judge to be dismissed and sealed from my record in    XXXX   XXXX   XXXX   . Its still coming up on my record and it is preventing me from renting. I am currently   XXXX   with my   XXXX   kids because of this.
Consumer complaint received 2017-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: National Asset Direct, Inc. (NJ)

the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragraph ( b ) ( 2 ) of this section not later than the 45th day of the borrower 's delinquency. A servicer is not required to provide the written notice more than once during any 180-day period.
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (PA)

The debt amount is wrong, the original creditor was supposed to fix total amount owed, never received letters or phone communications from said creditor. Debt has been placed on my credit report more than once and is continuing to hurt my credit score with each new cancellation and reapplication.
Consumer complaint received 2017-04-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (NJ)

I deposited XXXX checks in an ATM in XXXX, New Jersey, for the amount of {$600.00}. The ATM had a malfunction which caused them to be not recognized. I informed bank branch personnel about the problem. They entered the amount in the account and said there would be no problem. The bank provided provisional credit but then reversed without informing me. This caused an overdraft that should not have happened.
Consumer complaint received 2017-10-16
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: U.S. BANCORP (NY)

Received a call from a company called XXXX XXXX today on XX/XX/XXXX ( caller was from XXXX, NJ but indicated they had 17 locations around the country ) from a XXXX number. Was given an XXXX number to call them back. Caller and " case manager '', XXXX, is claiming to be a mediator for US Bank ( for an account opened in XX/XX/XXXX, and says closed in XX/XX/XXXX ) and wants to to pay them about {$500.00} on the phone to avoid going to court for fees owed. They will not send me a notice or bill - they told me the next steps would be that I would see them in court. He did tell me my address and last 4 of my social which is worrisome. He also told me I have 30 days to settle with him over the phone. Called US Bank 's fraud department directly - they told me that is not a typical tactic of theirs and immediately told me that this had all the red flags of a phishing scam. 

I had received a call from the same number a few weeks back ( robot call that connected me to a real person ) where a woman asked for my name and social security number - I refused to give it to her, and she told me she would see me court.
Consumer complaint received 2017-04-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MI)

Hello, I opened up a virtual wallet checking account with PNC on XX/XX/XXXX I believe. I opened it up with a promo code attached to it that was " Get {$300.00} if a {$5000.00} direct deposit was made and XXXX debit card purchases were done. '' I fulfilled those requirements. I chatted with a PNC customer service representative named " XXXX '' on XX/XX/XXXX about it. I will be attaching a screenshot of the conversation. However, he acknowledges that it is active for my account. I waited the required 60 days and my bonus never posted to my account. I chatted online on XX/XX/XXXX with a " XXXX '' ( screenshot is attached ). She says that I do not have a virtual wallet account anymore and my savings account is closed out. I was confused and never asked or was informed by PNC that my account was being changed like this. XXXX says I am not eligible for the bonus now. It seems like PNC is trying to avoid paying out the bonus. I
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (AZ)

My identity has been stolen, someone has already filed fraudulent tax returns in my name. I received a letter from the IRS on Friday of suspicious activity related to the Department of Education FAFSA website. The IRS letter told me to contact Equifax and sign up for their credit monitoring. I tried but the system told me it could not process my request and to call a specific number. When I did, I was transferred to " XXXX XXXX ''. It seems ironic that some XXXX, probably from another country, has my identity and I 'm transferred to another country to work on my identity theft issue. When I asked to be transferred back to the US, this person told me to call back in an hour. Something has got to be done about identity theft in this country. There has to be one agency or department to manage the process for those of us who are truly victims of this crime. Sending us to foreign countries is not a good nor comforting way to handle this issue.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

Im receiving a second notice from two different collection agencies from a debt I already paid. Original debt agency was XXXX XXXX XXXX XXXX  XXXX XXXX was the first collection agency to call me after the debt was paid and now im having Transworld System Inc trying to  collect the same debt.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (SC)

no contract with XXXX as this account was sold to action financial services. I contacted the bureau and they responded with I need to contact XXXX. I advised them I did contact XXXX and was told no account was found. They advised me it will stay on my report even though I do n't have an account with them and its reporting a negative status on my report monthly keeping me from being able to purchase a home. I 've spoken to several reps without assistance. This is clear they did n't properly investigate my concerns.
Consumer complaint received 2017-04-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

I have a HELOC account with Citibank since XX/XX/2016. Last month, I went to its branch to pay off the balance which the teller provided the balance owed. I received a statement showing a credit balance. However, the bank charges me interest on a credit balance. I went to the branch and was told to pay off the credit balance. I did. Then the next day, I went back to the branch. I still owed them the same credit balance. I was now advised to borrow {$1.00} from my HELOC account to see if the glitch can be fixed. I do n't know if I 'm responsible for interest ( 4 % ) accrued from the loan amount of {$1.00}.
Consumer complaint received 2017-04-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC. (OK)

My loan is not correct. Exeter Finance will not even attempt to assist. I have a contract from XXXX that has a loan financed amount and payment amount. Exeter says my payment is over {$300.00} more per month and says I owe way more that I financed. They are crooks.
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (FL)

This is now the XX/XX/XXXX payment that has been misallocated, this is also my second formal complaint. It seems that the only way for my payments to be allocated correctly is by me filing formal complaints. The current issue is my auto debit since XX/XX/XXXX has been {$300.00}. Now, XX/XX/XXXX the auto debit only made a payment of {$270.00}. Not only was this the wrong amount, it was also not allocated correctly. My simple instructions for my payments were to apply the minimum amount due for each loan group and any additional amount should have been applied to group A, my highest interest bearing group. I want my payments to be allocated correctly, i want my auto debit to be the correct amount, i want all my future payments to be allocated based off of these simple instructions : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. 
2. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 
3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. 
Since this is now the XXXX time i 've had an issue i want assurance i will not have this issue again. This is federal money that they 're handling and misallocating payments has already been a hot topic for a " competitor '' company, XXXX.