davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

XXXX ( XXXX XXXX country ) XXXX XXXX XXXX vs XXXX XXXX XXXX Type : Other Collections XXXX ( XXXX ) - under XXXX Case Number : XXXX Filing Date : XX/XX/XXXX Case Status : Closed/Inactive Court Location : Civil This case was closed on XX/XX/XXXX. 
but XXXX keep say, I own them money XX/XX/XXXX Writ : Execution ( Issued ) XXXX XXXX XXXX, against XXXX XXXX, XXXX XXXX, {$9100.00}
Consumer complaint received 2021-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

Conn 's Credit is engaged in illegal practices to collect on an alleged debt. I sent them a debt validation letter over two weeks ago and have received no response. I entered into a consumer credit transaction with Conn 's Credit which included a finance charge. The finance charge is defined under 15 USC 1605 ( a ) of the Truth in Lending Act as the the sum of all charges in a consumer credit transaction. Conn 's credit is in violations my rights as a federally protected consumer. Furthermore, they keep attempting to collect on a debt which I do not owe and which was paid for by my open-end credit plan ( SSN ) pursuant to 15 USC 1602 ( j ). As a federally protected consumer I can and enforce for monetary damages if Conn 's Credit doesn't take all the action stipulated below.
Consumer complaint received 2019-11-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

XX/XX/19 - I have obtained a large amount of money from a Mortgage refinance to finally pay off my private student loan debt that is now {$100000.00}, with all of the interest & capitalization they have added. My Mortgage Company sent me eight ( 8 ) checks payable to Navient since they have all of my loans separated into ( 8 ) different account numbers which will pay my entire loan balance in full. 

I contacted Navient to access my account and obtain all of my account numbers to add to the check payments and get them right out in the morning mail. There are two ( 2 ) options now when you log into your account to get a payoff amount. Option # 1 - Online payment {$100000.00} or Option # 2 - US Mail {$100000.00}, which is significantly higher! In these two ( 2 ) options, Option # 2 has a circled letter ( I ) to  click on for an explanation which states that if you do not pay your loan off digitally, they will charge a penalty of another {$370.00} plus possibly more added interest for taking Option # 2 and paying your loan off by check using US Mail. This is absurd, they have already charged me interest after more interest and capitalization costs on top of that to make my college loans well over XXXX XXXX XXXX XXXX and this can not be legal. 

I am an XXXX XXXX XXXX to which I am very dedicated and I love my job. However, in this position you must work very hard and it is also a requirement to continue your education which I have just now completed at XXXX  years of age with two ( 2 ) additional XXXX Degree 's but unfortunately, I also have my additional Federal School debt that is now in excess of {$120000.00}. At this time, I can not imagine how long it will take me to ever get this loan paid off, but I will somehow. I believe that Navient has continually added fraudulent interest charges on all of my private student loans since the start of my education an I do not want to have to give them another cent over my huge {$100000.00}.
Consumer complaint received 2021-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc. (IL)

I opened a personal loan with SoFi on XX/XX/XXXX and had it funded on XX/XX/XXXX. I opened the loan after receiving an offer from SoFi for a {$350.00} bonus for opening a personal loan. I contacted SoFi on XX/XX/XXXX to inquire about the bonus and they stated that they can not issue the bonus due to the loan being paid off early. After reviewing the terms and conditions of the promotion, there is nothing that discusses being ineligible for the bonus for paying off the loan early. I would not have paid off the loan early had I known SoFi wouldn't pay the bonus, nor would I have opened the loan without the bonus.
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Uplift, Inc (SC)

I reviewed my credit and there is a collection from Uplift Inc for {$280.00}. I had an account with Uplift that was resolved back on XXXX XXXX. I used Uplift in XX/XX/XXXX to finance a cruise for my honeymoon and unfortunately my fianc passed away on XX/XX/XXXX. I contacted them immediately and was advised the steps to take to file an insurance claim so that the cruise line could reimburse them and the account could be closed. I did exactly as directed and was told my account would be put in suspension mode until the death certificate processed. I received an email on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX stating they received payment from the cruise line. This is the last correspondence I received from them on this account. I was never notified of an outstanding balance and I never received any correspondence from XXXX XXXX XXXX XXXX which is who I was recently told that the account had been turned over to. I have attempted to contact XXXX about this account but only get a recording that no one is available. I have done everything on my part that was required of me to resolve this account after filing the insurance and I do not agree that this debt is mine in anyway.
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (MN)

We applied for a loan with New American. We were applying for best rates with a refinance. On XXXX with an application, but no loan agreement signed- New American Paid off my mortgage with XXXX XXXX. I was not aware they paid it off, as I had NOT finalized any paperwork because I was still gathering other quotes from other companies. My monthly XXXX XXXX payment was returned, when I called on XX/XX/2020-they told me I no longer had a mortgage with XXXX XXXX. I asked them who had paid it off-and they informed me that New American had paid it in full. I called New American and asked the Loan Officer why they paid it off-with NO SIGNED AGREEMENT-they did not have the best rates. They avoided my calls- and two days later said they were working to return the ACH payment. They did get it reversed, and now my payment/and auto pay were not on anymore with XXXX XXXX. I have always maintained a credit score of over 820. I later received check # XXXX dated XX/XX/20 amount of {$160.00} from New American. I repeatedly called to ask what this check was for- and if I should cash it. I deposited the check and it bounced. Yesterday, I received notice that my XXXX SCORE plummeted 166 points because of a letter my mortgage company sent stating my mortgage was paid in full/then they removed the letter and if adversely affected my score. I do need a mortgage within one year and my score is now much LOWER which will inadvertently my ability to receive a competitive mortgage rate. I am contacting them now-as they would NOT return my calls-nor answer my emails.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

Having problems with Discover Financial Services, LLC Discover is continuing to show late payments on my XXXX and XXXX credit report. I've sent Discover two letters ( the last certified ) but they did not respond back within the statutory period to remove the late payments. As a matter of fact, Discover Financial Services, LLC NEVER responded to either of my letters dating back to XX/XX/XXXX I then filed a complaint with the CFPB and received an email from a " XXXX XXXX '' of the Executive Office of Consumer Advocacy to which I responded TWICE and never received the courtesy of a response from " XXXX XXXX '' in return. The emails are attached On XX/XX/XXXX, I received a notice from CFPB that my complaint was answered, HOWEVER, the response was not on the CFPB website and I NEVER received a letter from Discover Financial Services, LLC as indicated by CFPB Please be advised both XXXX and XXXX are reporting " No Payment History '' or " Highest Balance '' ( or any balance at all ) as the account was satisified prior to closing.
Consumer complaint received 2021-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I currently reside in XXXX, Ohio and have been a Chase Bank customer for years. I have always been pleased with the service I received in the past, but the " security '' protocols that have been put in place over the past year have made it impossible for me to continue that banking relationship. 

I have had problems with the new " security '' protocols on different occasions, but what happened today was the last straw. On XX/XX/2021 I went to my local Chase branch in XXXX, Ohio. I went thru the first lane in the drive thru, right at the tellers window. I made a request to withdraw cash from my account and I presented both my drivers license and my Chase debit card to the teller in addition to the signed withdrawal slip. I had not placed any sort of security watch or warning on my account. 

My withdrawal was refused at the window and I was told that I had to come into the lobby and provide my PIN number in order to make the withdrawal. I went into the lobby and I was absolutely livid. I can open a new account with a drivers license, but I can not take money from that same account, even after presenting my Chase debit card and my drivers license. This was not money from checks that were just deposited. This was money that had already been in the account for some time. Then, because I've never used my debit card for anything, I had to set up a new PIN number for the debit card because I had no idea what the PIN was. So my drivers license wasn't good enough for a withdrawal, but it was good enough to open the account AND good enough to set up a new PIN number for my debit card. Then I had to go to the interior ATM to withdrawal my money in order to make sure that the PIN worked. I had decided to close out my account by this point. When I went to withdraw the rest of the available money from my account, I once again had to provide my Chase debit card and PIN number. 

What if I didn't have a Chase debit card? Are they telling people without debit cards that they can't have their own money because they only have a drivers license? Can no one see how ridiculous this whole situation has become? I am all for security, but it has to be tethered by common sense. If I was so dedicated a thief that I stole someones drivers license and debit card, subjected myself to XXXX  XXXX, and signed the withdrawal slip, then why in the world would you let me use that same drivers license to set up a PIN number for the debit card? And why would requiring me to present that same debit card and PIN ( that I just chose ) suddenly make me any less of a thief? 

I have moved my money to a different bank, but someone needs to get this bank under control ...
Consumer complaint received 2018-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Cash Express, LLC (TN)

I applied for a flex loan with Cash Express last year. The employee told me that it would be cheaper than the current loan I had with them and we could pay my current loan off with the new loan. When I got my first statement, I realized that the employee had not been truthful. The previous loan I had was only due once a month with low interest. The new loan is due every two weeks with 279.5 % interest. Soon after I went in to make my payment and the store had new employees. They looked over my file and realized that the employee who originally filed my application was not truthful about my monthly income. Without my knowledge she put on the application that my income was significantly higher than it really is. I also noticed that my statement sent in the mail did not match what they verbally said that I owe every two weeks. My statement shows that I owe a payment monthly. When I questioned them about this, they said that my statement is not correct. They said that the amount on my statement is actually split into two payments that are due every payday. Around XX/XX/XXXX when I called and asked how much my payment was they said they weren't sure because there was something wrong with their system. They said just pay whatever, like {$100.00}. I did as they requested. Soon after, the location I had been going to closed down. They told me I needed to work with another location. The manager from the other location called me on XX/XX/XXXX around XXXX XXXX. She told me that even though I made a payment of {$120.00} on XX/XX/XXXX that I needed to bring in {$99.00} by XXXX XXXX  or they would ACH my account. I told them that I wasn't aware of any money due and had not received a statement reflecting that. She said the past due amount was from previous months when the employee at the other location was telling me to pay whatever I wanted. I explained to her that I did not have the money in my account and I needed them to hold it until XX/XX/XXXX since I wasn't even aware until that day that it was owed. She agreed to hold it until XX/XX/XXXX. She did not do as she agreed. She sent through an ACH on my account that evening, XX/XX/XXXX, after saying she would hold it. My concern now is that my statement every month is not matching what I owe. For example, my statement for XX/XX/XXXX to XX/XX/XXXX that I received yesterday shows that I have {$210.00} due on XX/XX/XXXX. The manager called me yesterday demanding that I pay {$130.00} by XXXX XXXX or they would ACH my account. I called and spoke with the district manager today, XX/XX/XXXX and told her that I was filling the report and would not pay until XX/XX/XXXX as my payment reflects.
Consumer complaint received 2021-11-29
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. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (FL)

I have made several disputes throughout XXXX, in regards to my account with Fed loan Servicing. There are 5 accounts being reported as 90 days late, in XX/XX/XXXX that were included in an approved forbearance period. This information is continually being added back to my credit even though I have repeatedly disputed it. This inaccurate information is hindering my ability to purchase a home. I have repeated sent certified mail to both the lender and all 3 credit bureaus, and there has been no permanent solution.
Consumer complaint received 2021-02-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

So now the loans are showing I am delinquent when I was in deferment. I have discussed this Fed Loan and they claim they have no records. I have come across a deferment letter that should fit their needs. I want the pas due payments off since looking at this document should clear up any issues they have with missing information
Consumer complaint received 2022-07-28
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. (FL)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021
Consumer complaint received 2018-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc. (GA)

XXXX XXXX XXXX and XXXX XXXX has advised that i owe a debt to XXXX XXXX  - The Initial Phone Call the agent was extremely rude, condescending and extremely difficult to communicate with has she repeatedly cut me off and over talked me. 

This debt was a result of an ex boyfriend stealing my credit card and using it, i did not know about the debt - once i was made aware i paid it in full in XX/XX/2018. 

I contacted XXXX XXXX and they transferred me to the XXXX XXXX - XXXX XXXX to pay the account in full. I did so, i have a paid in full letter. 

I contacted XXXX to verify how long it would take for my credit bureaus to update as paid and they transferred me to NAR - NAR stated the debt was still owed and thats ' when the agent refused to let me speak. 

I advised XXXX XXXX on the call, i paid the debt in full - she advised me to email a copy of the letter. 

I emailed the letter twice and received an additional inquiry in regards to the debt XX/XX/2018 stating it was still due. I have reached out to NAR now 4 times advising i have paid this debt and there is a disconnect in communication - where they are not understanding or updating this information. 

At this point i do not know what else to do, besides get an attorney involved.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Equifax received dispute requesting fraudulent activity initiated by the following creditor ( s ) in result of reinvestigation submitted XX/XX/XXXX both creditors retaliated and  neglected to to resolve over 3 years ago. 

XXXX XXXX XXXX monitors my credit file as if I provided them free access. XXXX XXXX XXXX begin reporting to Equifax in result of an XXXX   reinvestigation against their company reporting an account disputed, closed, and removed from Equifax and XXXX. Equifax allowed XXXX XXXX XXXX to update my consumer file after an alert was provided stating a payment was late to XXXX XXXX XXXX in XXXX for one month. Equifax begin reporting to third parties on behalf XXXX XXXX XXXX I owe XXXX XXXX XXXX {$340.00} and failed to pay since XX/XX/XXXX. 

Equifax updated another derogatory account disputed over 3 years ago with XXXX XXXX XXXX XXXX pertaining to a fraudulent transaction involving a business check deposited by XXXX XXXX XXXX XXXX connected to this said account which my now adult daughter is connected to that account in good standing. On behalf of XXXX XXXX XXXX XXXX whom continues accessing and monitoring my consumer file in a fraudulent manner Equifax continues updating FP status that did not exist on consumer file at any time prior to XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (AR)

I made two transfers of {$330.00} into my paypal prepaid debit card account on XX/XX/XXXX. The transfer was completed and approved. On XX/XX/XXXX, I had {$190.00} left on my prepaid card from my government stimulus check and paypal took the {$190.00} and put my account over {$600.00} in the negative. I've since had a deposit of {$140.00} and {$15.00}. Ive tried calling paypal numerous times over the past few weeks to resolve the issue. Every time I've actually been able to get ahold of customer service I've been on the phone with them for an hour before I was hung up on or being told I was being transferred because they couldn't resolve the issue. Today I spoke to a supervisor and she told me that paypal let me use the funds before they were available which is not true because I have a prepaid card and the trnasferwas approved and completed for over two weeks before they took the money out of my paypal debit card and put my account through paypal in the negative.
Consumer complaint received 2018-02-10
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. (TX)

IN REGARDS TO : XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. I SENT A CERTIFIED LETTER XX/XX/2018 RECEIVED BY AGENT XXXX. I HAVE NOTIFIED THIS COMPANY THAT THEY ARE REPORTING INACCURATE INFROMATION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. I HAVE NEVER DONE OR EVER EVEN HEARD OF XXXX XXXX XXXX NOR HAVE I USED THEM. THEY ARE REPORTING ONLY ON MY EQUIFAX CREDIT REPORT AND I DONT KNOW WHY. I SENT A DETAILED LETTER ASKING THEM TO PROVIDE PROOF OF VALIDITY OF THE DEBT THEY ARE REPORTING ON MY CREDIT REPORT? I ASKED THEM FOR VALIDATION AND VERIFICATION INTO THE ACCOUNT? THE INCORRECT INFORMATION THEY ARE REPORTING IS NOT MY ACCOUNT. I ALSO ASKED THEM TO PROVIDE THE ORIGINAL COPY OF THE DOCUMENTS BEARING MY SIGNATURE? PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE? PROVIDE ME WITH PAYMENT HISTORY FROM THE ORIGINAL CREDITOR? WHEN WAS THE LAST DATE A PAYMENT WAS MADE ON THIS ACCOUNT? PROVIDE ME WITH COPIES OF ALL LETTERS SENT TO ME FROM YOU AND THE ORIGINAL CREDITOR REGARDING THIS DEBT ACCOUNT? 

AT THIS TIME, I WOULD ASLO LIKE TO INFORM YOU THAT IF XXXX XXXX XXXX OFFICES CONTINUE TO REPORT INVALIDATED INFORMATION TO ANY OF THE THREE CREDIT BUREAUS ( EQUIFAX, XXXX, OR XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. 
DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY YOUR REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT *VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT *DEFAMATION OF CHARACTER IF PROPER DOCUMENTATION IS NOT PROVIDED AS REQUESTED AND VALIDATION ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATLEY.