davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-06
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I took out a loan with Ace cash express for {$2500.00} and agreed to pay biweekly payments of {$270.00}. I made enough payments to have paid off the {$2500.00} but of course with the interest in was being charged I was barely paying towards the principal. I felt into a financial issues and could n't afford to pay the biweekly payments set at {$270.00} and so I contacted them to set up arrangements to continue to pay them. I asked them to stop and or discontinue any automatic payments from my bank account and yet they continued to go into my account despite my request. When I called them can supervisor XXXX stated that the representative failed to document such request but that anyways I had an obligation either them and they could and had the right to go into my account to get the money. This upset me tremendously because I felt as if my rights as a consumer were being disrespect just because I felt into a hardship and could n't pay. Please help xoxo they call me 5 times a day and I am XXXX and they have continously continue to harass me.
Consumer complaint received 2015-05-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Brock & Scott, PLLC (VA)

I was XXXX of an organization, XXXX XXXX XXXX from XXXX XXXX. I turned the organizations checking account over to the new XXXX XXXX XXXX. However, I did not remove my name from the account because I was in the process of filing embezzlement charges against the XXXX during my tenure. The XXXX was suppose to close the account and open a new account. The new account was opened and the XXXX made personal charges on the account. The XXXX did not pay the account so they sent correspondence requesting that I pay the account. Upon explaining to the lawyer of Brock and Scott the situation about six months ago, that this was an organization I had not been apart of it since XXXX, the lawyer agreed with me. The lawyer form Brock and Scott sent a letter to me acknowledging that I did not have anything to do with the account as such my name would be removed. The XXXX failed to pay the account and earlier this month, I received a Warrant in Debt along with the XXXX for the amount plus attorneys fees. The lawyers will not take my call and keep saying that XXXX has made arrangements to pay by XXXX/XXXX/XXXX. This should resolve the debt. The problem I have is that I should not be a party to this debt regardless of what happens. Brock and Scott only sent the communications regarding this settlement to XXXX and not to me. These communications contained my Personal name and address. So now they are only communicating with the XXXX and not me but sending emails and letters addressed to me to the XXXX. This is a violation of the law and I want my name removed as previously indicated by Brock and Scott. The XXXX even signed a statement acknowledging that the debt is his. This was sent to the Brock and Scott but I have not received any response. To date, I have requested all correspondence sent to me about the debt from Brock and scott but they have failed to do so.
Consumer complaint received 2015-12-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc (KY)

I received a call from a company stating that I had XXXX outstanding payday loans from 2011. I was told that I had taken out an online payday loan in the amount of {$400.00} on XXXX/XXXX/11 and another in the amount of {$450.00} on XXXX/XXXX/11. I disputed these charges. The company claimed that they could not provide me with any documentation supporting this claim and they refused to give me any contact information for the lenders in question. They had my bank account number, the last XXXX of my SSN, and my email address. I repeatedly stated that I did not take out any online payday loans, and after repeated requests for more information I was advised to do my own research.
Consumer complaint received 2016-11-16
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

Ally Financial sent us a bill for {$190.00} for damage to a car returned after lease. We disputed the claim in writing. Ally never acknowledged our dispute and harassed us via phone calls and has now turned the claim over to collection agency, XXXX XXXX, XXXX.
Consumer complaint received 2017-02-01
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

I purchased $ XXXX ( XXXX/XXXX/XXXX ) and $ XXXX ( XXXX/XXXX/XXXX ) XXXX gift card from paypal. However, when I try to use them today I found XXXX {$50.00} and XXXX {$100.00} was {$0.00} balance. After search on internet, I noticed that paypal giftcard system have been hacked last year. I believe my lost is due to paypal 's system been hacked.
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (NV)

I purchased XXXX blankets from XXXX and used my Paypal credit account to pay for the purchase. When I received the XXXX blankets, the color and style were different from what I ordered. They were also packaged wet and had developed a mold or mildew during shipping. I filed a claim with Paypal, as this should be covered under their protection guarantee. The initial response was that I just needed to return them to get a refund. I was not given a prepaid label, and the shipping back to XXXX is over {$50.00} - almost the same amount that I paid for the blankets. Therefore, returning them for a refund ( if I pay shipping ) is useless. These blankets are not what was advertised AND they are moldy!!! If anybody is going to be out of money, it should be the seller NOT ME! 

I 've attached picture of the blankets I received. They were supposed to look like this : XXXX
Consumer complaint received 2016-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.C. System, Inc. (CA)

On XXXX XXXX, 2016, IC Systems placed a derogatory report on my credit report for what is described as " XXXX XXXX ''. I was never contacted about this account. I have disputed that this account belongs to me with the credit bureaus. By Law, IC Systems is required to contact me and at my request, provide me with proof of who owns the debt, who owes the debt, what the debt was for and the time frame the debt encompasses. IC Systems has done none of this. In fact, they have violated several FTC rules : 1 ) Every collector must send you a written " validation notice '' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. I was NEVER contacted ... ... EVER. 2 ) Debt Collectors may not : give false credit information about you to anyone, including a credit reporting company. By reporting to the credit agencies without contacting me and proving/validating the debt, they are providing false information to the credit reporting agencies. 
If the debt is indeed mine, it is over six years which is the Statute of Limitations in Arizona. This also makes the debt noncollectable. What IC Systems is doing is fraudulent and intimidating. Plus, my credit score dropped XXXX points the day their report hit my credit report.
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (FL)

I was buying an item on ebay. I went to pay with my paypal account. They redirected my request without telling me. I thought I was confirming my ss # and email for security purposes for the purchase, the next thing I know they setup a credit card account in my name. This is not acceptable. I called to have the account closed and credit inquiry removed. They said they could not remove the credit inquiry. I am in the middle of applying for a home loan. This should be illegal.
Consumer complaint received 2015-09-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (KY)

I opened an account with PayPal thinking I could get started on doing business with them and I added money to my account using a mycash code, which I guess they do n't really like people using so much but if that was the case why have it as an option to add money? My account has had XXXX credit card chargebacks since XXXX XXXX and I have XXXX open disputes and claims even though the account has only been open for a about a little longer than a month. There is no reason for holding XXXX dollars that I recieved as a gift since XXXX XXXX, 2015. From the research I have done, there is no legal justification to hold my money for this amount of time either, regardless of what your terms of service say. PayPal has taken my money from me and is basically telling me because they feel as though I 'm s " risk '' they reserve the right to not do business with me and keep my money for 180 days! This is unfair and I have things to do and pay for. It 's wrong for a company like that to take people 's money like that and decide when it is okay for them to give it back. I 've uploaded all necessary documents they 've asked for and they said that it was all okay until I spoke to XXXX rude reps over the phone that basically said they needed my Ssn again after the tenth time of uploading it!! They keep asking me for documents that I 've already uploaded and are making excuses at this point! I will forward the complaints to your office as well. I am a reasonable person and all I am asking for is the release my funds now. Thank you for your attention and I am sorry we were not able to come to an amicable solution.
Consumer complaint received 2016-06-29
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (AL)

WHAT HAPPENED Describe what happened so we can understand the issue ... 
After returing home XXXX in XXXX. I was unabled to work. I worked hard to pay bills, but we were n't making ends meet. I was making progress with my VA claim for benifits, but it is a very long process, which reguires several appeals to complete. We started having trouble meeting our mortgage payments, and contacted flagstar bank to help us work something out. I mentioned the Obama mortgage help plan, the lady i talked to said they could work it out, but i had to be three months behind on our mortgage in order to qualify. She said not to make payments, partial payments were unexceptable to flagstar, although i offered.After the three months elapsed i started getting default letters and harrassing phone calls. I explained to them the conversation i had with the Flagstar rep, they said they would look into it. I called her back and she said it was to late now, and that my mortgage was in default. She had a very bad attitude, and refused to talk to us any further about the matter. Flagstar claimed they sent everything to their attorneys and there was nothing furthur they could do for me I explained to them that my VA money would be coming soon, and that this just can '' T happen to me They became agitated and rude, and said i have to go to the attorney. Shortly after that conversation i received a letter delivered by the sherriff department, that my home would be autioned off in a couple of weeks.Luckily, the backpay check came in at the last minute from the VA & gt ; I was able to pay the rearage, plus attorneys fees and keep my house. We were victims of a dual tracking procedure, commnly done by banks. I had no idea until recently what dual tracking meant, and that it is against the law. I should have never been treated this way. XXXX. And am now XXXX VA XXXX. I should have been priority to them for the obama help. But Flagstar cared less. I believe we were told not to make payments even partial ones, in order for flagstar to buy time, to justify foreclosure. I have always had good credit, and owned this home since XXXX. The foreclosure status is still on my credit report. Flagstar refused to have it removed.
Consumer complaint received 2015-05-23
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MN)

On XXXX XXXX, 2014 Paypal " limited '' XXXX of my accounts with them, which is a friendly way of saying they locked the money in them and wo n't give me access to it. Although they refused to explain why they did this, they did tell me that my money would be available 180 days after they " limited '' my accounts. Now that 180 days has passed they 're still not letting me withdraw my money. I have {$1000.00} locked away in XXXX account and {$990.00} locked away in the other account. Can you send them a friendly reminder to follow their own terms and conditions and release my funds to me?
Consumer complaint received 2015-04-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MI)

I attended XXXX XXXX in XXXX, California. I took out a federal loan for school and I have been paying it. The school then proceeded to take out XXXX private loans out in my name without my consent or knowledge. I have expressed this to the loan company NAVIENT, when they called me 3 years after the school applied for it. They refused to send me any " proof '' that they claimed to have. I have never received any information about the loan, yet it 's on my credit report and I have been disputing it since I learned that I could. This has caused a huge grievance on my credit score and therefore reflects poorly on me as an adult, making it difficult to apply for an auto loan and eventually a mortgage XXXX day.
Consumer complaint received 2018-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Team Recovery Inc. (GA)

I live in XXXX and my minor daughter, XXXX XXXX, goes to XXXX in the summer to visit her father. I received a credit alert from Team Recovery for a collection of {$120.00} for XXXX XXXX XXXX. I was not aware of any debt nor did I take XXXX to this hospital but it appears my insurance was billed for the services. I contacted Team Recovery for more information and spoken to in a harsh and disrespectful tone. Also, the contact information they had for me was incorrect. I thought this may have been a possible scam and proceeded to contact XXXX XXXX XXXX. I was informed there was a balance of {$120.00} for services my daughter received in XX/XX/2017. I do not feel responsible for this payment since XXXX was under her fathers care at the time in a completely different state from where I reside. However, I agreed to pay the balance in full in order to have this information retracted from my Team Recovery and removed from my credit file. XXXX XXXX agreed to this and I provided my contact information for a {$120.00} payment.
Consumer complaint received 2015-06-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (OK)

I have been in default of my mortgage, and since i was not able to keep up with the payments due to some unforeseen circumstances, they offered me to do a loan modification. I finally went ahead and did the modification ( even tho I was skeptical about it ) but in the process they said i would still have to make payments on my home so i would not lose it while being considered for a loan modification. I took a loan out on my XXXX OVER XXXX and flagstar said it had to be a cashiers check, well I followed every instruction that was given to me at the time, but no one ever said it is in underwriting and had then been approved until i applied the cashier check to re-instate the loan. Come to find out, I was not suppose to re-instate the loan while under a modification. my contact person said it would be okay, just keep paying the amount of the loan modification and once the trial period of XXXX months the modified loan will be determined and papers would be sent out with the new modified permanent rate, I would need to sign them once I get them and return them as soon as possible.. I paid it as instructed, this was from XXXX of 2015 until XXXX 2015. When I called loss litigation to make a payment for XXXX 2015, the rep said I have re-instated at my initial mortgage amount that I was never told about via phone or mail, email. this is an amount I am unable to pay due to my financial status, not one time before i made the lump sum payment after taking a loan out, was I told not to do so, that it would reinstate me and cancel my loan modification. now I am not sure what is going to happen. I feel i was miss-informed or better yet not informed on what not to do as oppose to what i should do. i may lose my home and plus have almost depleted my XXXX because of it. on top of that included in the fees I had to pay the late fees, which would have been forgiven if i was instructed not to pay the lump sum, and paid the attorneys fees the went through.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

( XXXX and XXXX ) repeatedly and persistently failure to curb abuses in reporting erroneous information to the credit bureaus and by the credit bureaus.in violation of The Fair Credit Reporting Act ( FCRA ). 
These deliberate and intentional acts of unfair business practices are pattern or practice, habitual and habit forming by ( XXXX and XXXX ) to date. I have notified Equifax , XXXX of these invidious discrimination, invidiously discriminatory behavior. 
Equifax , XXXX and XXXX XXXX knew or reasonably known there acts in violation of The Fair Credit Reporting Act ( FCRA ). and deliberately encroach upon my protected rights secured by XXXX XXXX, States of XXXX, and XXXX. 

All knew or reasonably known there reckless disregard for my rights to dispute negative information in my credit report that is gross fabrication, adversely impacting my credit scores, defame my good name reputation to date. 
The credit bureaus having 30 days to verify the disputed information with the XXXX and proven with affirmative evidence did verify the disputed information within 30 days, my accounts of events are true and therefore any erroneous information must be deleted from credit report. Equifax , XXXX and XXXX XXXX failure to correct blatant errors and mistakes in my credit report warrants civil action.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (PA)

Today on XXXX XXXX, 2016 @ XXXX XXXX I received a phone call at my work number from a representative of Discover Card named XXXX. She is calling me because I have not made any payments on my Discover Card since XXXX 2016, and I informed her that I had turned the account over to a management company. She asked me if they were a credit counseling agency or a debt consolidation agency. My response was " they do both, and I do not wish to speak with you further because I contacted your office in XX/XX/XXXX to try and help me lower my payment or rate and you refused to do anything at all '' and she stated " I am sorry about that but now that you are behind we have things that we can offer you, however if you are working with a debt consolidation company we absolutely do not work with them we do not consolidate our debts and we will hire an attorney to come after you if the debt goes into default and the consolidation company offers us a settlement which we will take and then have the attorney come after you for the rest of the money owed at which point your credit will be ruined. I am angry with this attitude. I was a loyal customer who paid on time, and I attempted to negotiate with each of my credit accounts when I realized that my income was being adjusted temporarily. They all refused to work with me in any way Discover, XXXX XXXX, XXXX, and XXXX. Now that I have updated my contact information with the phone number of the XXXX XXXX XXXX management company everyone including Discover is calling me at phone numbers that are not longer listed on my account. I want a letter of apology from Discover card for their unfriendly attitude with consolidation debt companies, and an acknowledgement that they will work with them on my account! Discover can provide you with the date and time of conversations that I had with the credit representatives in XX/XX/XXXX where I tried to communication with them of upcoming financial burdens and they absolutely refused to offer anything prior to my credit becoming ruined. I believe I was being a responsible consumer, and Discover showed prejudice and turned their backs and now are threatening me with intimidation simply because XXXX XXXX XXXX may not offer them all they money they want.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

This complaint refers to a unauthorized hard inquiry upon my credit report by   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  ( "  XXXX  '' ). On or around  XXXX   XXXX ,  2017    XXXX    initiated an unauthorized inquiry upon my Equifax credit report. I did not authorize  XXXX  to take such action so I am demanding that this inquiry immediately be revoked and recanted as well as for  XXXX  to permanently destroy all the personal information is received during the unauthorized inquiry upon my credit report. Additionally, I am requesting that  XXXX  provide me with all documentation that caused them to inquire upon my credit report. Finally, should this pertain to a debt, I hereby dispute the debt and have no knowledge of any debt with  XXXX  and request that  XXXX  cease and desist all collection attempts and contact with me for collection purposes. Finally, please provide verification of any alleged debt and do not access any other consumer reports or credit reports of mine.
Consumer complaint received 2022-01-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I tried to deposit {$3000.00} in ATM, because of chase system failure, atm took my money and didn't credit my account, I filed a claim to get my money back on XX/XX/XXXX. There has been a lot of stress anxiously waiting for the money, chase back didn't credit my account until XX/XX/XXXX. I asked the bank to compensate me for 16 days of extra waiting, chase told me yesterday they don't compensate anything, is this legal not to compensate anything for their system failure and hold my money as long as they want to? 

It seems like the bank deliberately want to hold my money for XXXX business days until the last day to return the money back to me, since I received a call from chase banker on XX/XX/XXXX telling me the money was found in the ATM and he said it was going back to my account on XXXX afternoon, but I don't get the money until a week later. Chase sent me a letter later saying they failed to deposit the money on XXXX without explaining why.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I deposited my check into my account from my work almost XXXX weeks ago and they still have not released the funds and they said that they would be available on XX/XX/XXXX and they are still not available and whenever I call they just tell me that theres delays and thats all I get! I keep asking them for help to get my money and all they say is its not available or its been delayed. Its been XXXX weeks!!!