davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-12
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc (NC)

I sold a XXXX minibike with a new XXXX engine for {$730.00} USD on PayPal ( transaction ID XXXX ). After 2 months of use, buyer ( aka : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ ) filed a chargeback with his credit card company stating that the minibike was " not as described ''. The credit card company then proceeded to notify PayPal ( case # XXXX ) of the chargeback for {$350.00} USD ( not sure how that value was arrived at ). I was never offered the return of the minibike and the transaction occurred well in excess of XXXX miles from the billing address ( buyer lives in NJ while seller lives in NC ) I responded in writing on 2 separate occasions to PayPal 's requests for information and never received a written reply from the buyer or his credit card company. I can prove that the item was delivered in excellent condition ( as described in emails ) and that buyer used the minibike on several occasions. Buyer damaged minibike during personal use and then stated that the minibike was " not as described. '' PayPal has never shared the name of the credit card company that brought this dispute nor have they been willing to cover this transaction with their " Seller Protection '' that they advertise. 
Buyer contacted Seller ( aka : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) by email and requested to purchase minibike for {$730.00} USD. Seller told Buyer that it was solely his responsibility to ship minibike from NC to his place of residence in NJ. Buyer agreed. Buyer contracted with a XXXX company to ship the minibike. When the minibike arrived at the buyers home he wrote, " No ... it looks good. It was a little dirty from the transport but I wiped it down real good. It looks great. One of the brake cables is right in the way of the left foot pedal and I 'm afraid it 's going to get tangled/pulled. Might have come loose during transport. I 'll tie it back to something. Other than that, all is well. It 's gorgeous! '' Note that the minibike arrived dirty and wet with damage that occurred during transport. 
Today, PayPal sent an vague email stating that the credit card company found against me with no additional information. I am unable to get any help from PayPal or anyone for that matter.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I have uploaded XXXX letters that explain the problem. These liens have NEVER existed, anywhere!! Equifax lies and claims that they have contacted XXXX and XXXX County and verified, this is a blatant lie!! I have been in both offices, I have been in contact with the IRS, these liens have NEVER existed. Over countless disputes they have ignored my documentation and lied about verification!! They have blatantly changed the dollar amounts of the fictitious liens, and over and over again changed them from XXXX reported to XXXX, and changed back and forth their location of recording. XXXX and XXXX share the same recording system. THESE DO NOT EXIST AND NEVER HAVE!!!!! 
What Equifax is doing to me is ILLEGAL, Stop reporting ALL IRS liens in my name!! 
The XXXX that were real and accurate have been WITHDRAWN!!!!!! 
Anything else has NEVER EXISTED!!!!!!!!!!
Consumer complaint received 2015-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (TN)

I canceled internet service with XXXX in XXXX of 2015 after a XXXX months of successive incorrect billing for service that even their customer retention department admitted was incorrectly billed too high and made adjustments to my account. Successive bills still had the improper billed amount so I canceled service. 

I received another bill from XXXX and was advised that I would get a final bill that would show any remaining balance or credit. 

I received a phone call from a debt collector on XXXX/XXXX/2015 regarding a past due amount to XXXX for {$45.00}. I disputed the charge and immediately went to my local XXXX office. The CSR girl said " No, you have a credit balance '' and was unable to print anything official, but did hand me a print out of her computer screen that shows a credit balance of {$110.00}. 

I then received a bill from XXXX also dated XXXX/XXXX/2015 that shows a completely different amount of NEGATIVE XXXX and " NO PAYMENT DUE ''. 

I then received a bill from Stellar Recovery XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, NC XXXX XXXX dated XXXX/XXXX/2015 for {$45.00}. 

After several calls to XXXX I got several promises for calls back to take care of the issue. I have almost an hour 's worth of audio recordings of these calls and never received a call back. 

Stellar Recovery states that they can not do anything and XXXX states that because it has been turned over to collections THEY ca n't do anything. I 'm stuck in the middle with nearly a XXXX point hit to my credit report and neither company will acknowledge my issue or assist in rectifying the situation. 

As of my conversations with XXXX today ( XXXX/XXXX/2015 ) their customer retention specialist " XXXX '' acknowledged that there was a balance I owed of {$5.00} BUT XXXX owes ME {$40.00}! 

Again, this is on my credit report, XXXX owes ME money, and no one is willing to correct the issue.
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NV)

I C System placed a collection account on my credit file for {$130.00}. I have not received any correspondence about this debt and I do not know who it is with. I noticed on my credit report today XX/XX/XXXX that it was placed on XXXX/2017.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

Inaccurate information on credit report Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016 XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016
Consumer complaint received 2016-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (NC)

I purchased a home in XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX. This was a short sale purchased from the Bank. This fact is important as I am the first owner of home. The contractor that built the home went bankrupt and during that process he evidently allowed this couple to live there, in the contractor words-trying to recoup some monies. The house was built and not sold before contractor went bankrupt. Evidently a couple lived in house prior to me and had XXXX XXXX XXXX. Shortly after purchasing the home. Letters started to arrive for the previous occupant, then Deputies with warrant in debts. I advised all parties that that guy did n't live here and I had purchased the home. Incidentally I have been a XXXX customer for many years. I am currently a XXXX internet customer. After I called XXXX in XX/XX/XXXX and discussed the letters and deputies coming by stopped. Recently we have begun receiving letters from Stellar Recovery , Inc ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) ref this debt. A dept that is not mine. I did not even move to XXXX XXXX until XXXX XXXX when I purchased home. I believe what has happened is the collection agency did a records check and since I was the first owner of the home they attached my name. I have discussed with XXXX again. They said its not my debt, not my name, not my DOB and not my SSN. I just sent a letter to collection agency stating- Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I wish to submit a complaint with you ref this collection agency. They are not utilizing any common sense in collecting this debt nor the facts. My only connection to this is the address of the home I purchased. We consider this harassment and want it to stop. Thank you in advance for your assistance
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX, XXXX, 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and XXXX request to be investigated have been ignored.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (PA)

I have been able to have this fixed by XXXX and XXXX but Equifax refuses to remove it and all they say is the card belongs to me. It does not belong to me. 
I applied for a credit card from XXXX I was turned down. The letter said I had a delinquent account and my credit score dropped XXXX points. I looked at my credit report and saw that an account for a credit card from XXXX XX/XX/2016 had been opened and the max amount had been taken out, but no payments had been made. The account was closed XX/XX/2016. I did not open this account. When I called the credit card company, I was told that the person had my name and Social Security number but a different address I was not told what the address was.
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma (CA)

Well I have a account with Credit Karma and before I was able to register my account a series of validation questions appeared stating that if I did or not have a mortgage loan in XXXX of 2010 and asking me what my loan amount was which for the record I have never owned a house bought a car or took out a mortgage also the next question was what was the company that I took out a auto loan / lease. Can you please remove these incorrect items from my credit file because it is wrong
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Im filing a complaint against a CitibankCredit Card because they are trying to collect money for charges not authorized by me. I closed the credit card account on XX/XX/XXXX. There was some credits in my favor for approximately 50 dollars that they never returned. Contrary they are charging me again for a charge I disputed on XX/XX/XXXX. I have tried to discuss this matter with them but they just leave me waiting on the phone or just hung up on me. They never return my calls either. Now they are not only denying refunding me my credit but they are also trying to collect more money from me. Please help. Thank yo
Consumer complaint received 2017-03-30
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: IQOR US INC (NY)

I 've started getting calls from the company Allied Interstate LLC recently. When i asked what the call was about the person on the phone would just say " an important business matter '' or " personal business matter '' and then ask for me to confirm my social security number without telling me what the call was about in detail. When i told them they needed to state the actual reason for the call and if it was being recorded they would tell me that if i didnt confirm my information the would submit it to the legal action team. I 've attempted to block calls from their numbers and direct them to my lawyer and tell them to stop calling and yet it continues.
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (WA)

I opened a new checking account at Key bank after I received a mail saying if I opened a new account and set up direct deposit, I would get how much cash credited to my checking account. 
I waited and waited, after I opened the account [ and did everything they told me to do ], but no credit appeared in my account. I inquired many times by phone and in person, every time I was told [ in XXXX, XXXX, and XXXX ], just be a little more patient, it will come. But it has been 5 months since I opened the account, no credit was received. Finally the last few days, when I called the bank I was told no credit was forth-coming. I wasted a ton of time, I feel very cheated by this bank! 
Do n't know how many other people, they did the same thing to?
Consumer complaint received 2016-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (PA)

I 'm trying to pay my bill that 's due XXXX XXXX, and I 'm trying to apply extra money to go to principal. I want to pay {$740.00} dollars ( XXXX goes to my monthly bill and the rest would go towards principal ). On their website, it only allows me to make the minimal payment and it says, " Please match the requested format ''. It 'll only allow me to submit payment and take me to the next page, if I type in my minimal payment of XXXX. There 's no option of paying more than the minimum balance and when I do try to type in more money in the box it wo n't allow me to go to the next page. I feel this is unfair, because of the bugs or kinks on their website, I have to suffer and accrue interest on the extra money I was going to pay. This is another way of keeping people in debt, and not allowing them to pay off their balance. I will attach screen shots.
Consumer complaint received 2015-07-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

My complaint is in regard to Navient ( formerly XXXX XXXX ), the lender that allowed me to take out loans in order to attend college ( The XXXX XXXX of XXXX in XXXX, Pennsylvania ). Since XX/XX/2015, I 've been writing to Navient to negotiate a new payment plan I can afford since I 'm currently unemployed. I requested that they only contact me via mail, to not contact my cosigner and to consider releasing my cosigner from my account. All letters to Navient have been sent certified and I know for certain they received them because they did respond to me in writing. Since then, my cell phone has been called at least once every day from numbers with different area codes that a web search shows to be Navient. In addition, Navient has written to my cosigner and threatened to report them for delinquent payment of loans. I would like to know if Navient is violating the Fair Debt Collection Practices Act when they proceed to do everything I requested that they not do.
Consumer complaint received 2017-03-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (ME)

Navient is the servicer of my partner, XXXX. XXXX had a XXXX and has been XXXX since XX/XX/XXXX. I have made several attempts and have supplied them with the court ordered paperwork granting me guardianship with authority of all his financial, health, and property matters. They continue to refuse to assist me with getting some kind of forbearance for him now that he is unemployed and XXXX. 
Additionally, whenever I speak to someone, language is always a barrier.
Consumer complaint received 2016-05-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

I completed a cosigner release form, this was the second time I completed this form in two-years. I supplied Navient with all the required information needed for the cosigner to be released. In turn, they denied my release based on my sole income, stating that I do not make enough annually. However, I included my spouse 's information ; passport and pay stub, as our total household yearly sum, which is more than enough to pay the loan monthly as I have been for the 12- consecutive months that they requested on the cosigner release form. I work part-time and I 'm a mother So I 'm not sure why Navient will not consider my spouse 's income as additional support for these payments. My time, money and effort have went into this without satisfaction and I did not end up with the results that I expected. All I want is for my cosigner to be released as I believed he would be if I completed and sent Navient all the valid and requested information. Please help!!
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MO)

Hello. They told me my loans were in forbarance which the lady that told me that didnt really put my loans in forbarance so they went into default without me knowing. They started taking my taxes making it hard to prove a hardship that my family and I were going through. I finally started habilitating my loans and finished the XXXX program. They told me I did n't complete it on time so they kicked me out the program and had to start over, that 's when they continued to take my income taxes, which I feel was n't right because I finished the rehabilitation program. 



Thank you XXXX
Consumer complaint received 2016-12-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (DC)

I did n't realize I was a victim of the Student Loan forgiveness Scam. I gave out my SSN # and credit card info. I 'll contact my bank to cancel the transaction may occur but what I do with the SSN # already gave out? Please see below info what have been exchanged over the email : Hey XXXX, Your file was approved yesterday & we submitting a request to put your loans on admin forbearance. It typically takes about 2-3 business days for it to be approved. They will no longer ask you for payments after the weekend. 

Best, On Wed, XX/XX/2016 at XXXX, XXXX XXXX XXXX wrote : XXXX, I still receiving email and phone call from Navient, when will I get the approval that it 's no longer from Navient but from the Income Driven Program of loan forgiveness that we were working on previously? 
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2016 XXXX To : XXXXXXXXXXXX Subject : Contact Information - XXXX XXXX XXXX XXXX XXXX, congratulations again on your approval for the loan forgiveness program! Friendly reminder to send in your Proof of Income to our processing department as soon as possible. Should you have any questions or concerns please do n't hesitate to contact me through phone or email. Best way is through email as I am usually always on the phone. Thank You! 

Please feel free to share my contact information with anyone that needs help with their federal or private student loans. We would love to help them qualify for a better program and possible loan forgiveness! 
XXXX - More Information about these programs White House Website : XXXX Ensuring That Student Loans are Affordable | The White House www.whitehouse.gov Ensuring That Student Loans are Affordable. download as pdf " Let 's tell another XXXX students that when they graduate, they will be required to pay only XXXX ... 

Defaulted Consequences : XXXX Consequences of a Student Loan Default - FindLaw bankruptcy.findlaw.com A student loan default occurs when the borrower fails to stay current with the payments on their student loan. Delinquency begins the first day a borrower misses a XXXX - Online Account where you can view your loans XXXX National Student Loan Data System for Students www.nslds.ed.gov The National Student Loan Data System ( NSLDS ) is the U.S. Department of Education 's ( ED 's ) central database for student aid. NSLDS receives data from schools ... 
-Click financial aid review -Click Accept - '' Log in '' Username : XXXX PW : XXXX Please do not change the password as our processing department needs it to work on your file. 
Student Financial Services XXXX / Compliance Manager XXXXXXXXXXXX / XXXX EXT XXXX Student Financial Services Processing : XXXX / Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Hours of Operation : XXXX - XXXX ( PST )
Consumer complaint received 2020-04-19
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: Clarity Services (TX)

other accounts could not fit in the FTC complaint XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Status Open Opened Date XXXX   XXXX, XXXX Closed Date -- Responsibility Individual Account. Balance {$35.00} High Balance {$35.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. Balance {$270.00} High Balance {$270.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. Balance {$230.00} High Balance {$230.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Hippa violatons and FRCA violations