davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CA)

Months ago, I resubmitted my information for income-based repayment. Months passed and I never received notification. Eventually, my repayment ballooned to an untenable amount. I called MyFedLoan, where I was told to " ignore '' the website and that my loan was in forbearance while the paperwork was processed, which I was told would be in 2-3 business days. I paid the {$5.00} they told me to pay online, and 2-3 business days later, there was no information about my new income-based repayment plan. I asked the representative over the phone if I could have written confirmation of what she said, and I was laughed at like I was crazy. I was re-assured verbally that the situation would be resolved. The next month, I got an email saying my account was past due, again with the inflated amount. Again, I called MyFedLoan, and was told once again to ignore what was there and that my paperwork would be processed in several business days. I told the representative that I was told that the previous month, and the representative simply repeated that it would be done in several business days. I expressed concern that the " past due '' amount would be automatically deducted from my checking account, and was assured explicitly that would not happen. Again, I requested this in writing and was rebuffed. 
Unfortunately, I was misled by MyFedLoan reps multiple times, and it turns out my concerns were well-founded. MyFedLoan automatically deducted {$1000.00} from my account on XXXX XXXX, despite being reassured explicitly on the phone multiple times by multiple representatives that such a thing would not occur. 
I called this morning, XXXX XXXX, to resolve the situation. I was told the transaction should not have occurred, and they processed a refund request. I was told that the refund would likely take 60-90 days. This is completely unacceptable. Not only was I lied to ( whether intentional or not ) at multiple points by MyFedLoan staff, the deduction caused an overdraft of my account. $ XXXX may not be a lot for many people, but for me, it is. I have bills to pay and I live in a high cost of living area. Not having access to my money for over two months puts me in a situation where it will be very difficult for me to put a roof over my head or food on the table. 

I want to know why this occurred, and what sort of recompense I am entitled to. I find the whole situation completely unacceptable, and for many people, a transaction like this could send them into a tailspin of financial destitution - overdraft fees, late penalties, late rent, unpaid bills, etc.
Consumer complaint received 2015-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (IL)

Enhanced Recovery has reported that I owe XXXX and I called them and they put it on hold now they are reporting that I owe XXXX {$650.00} I called XXXX they have no records of me so I called Enhanced Recovery and they said they had no records of XXXX and hung up on me. So now what do I do
Consumer complaint received 2015-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (CA)

placing that I have a debt from a discharged BK wich is false in order to damage my credit for a file already known as ID theft. They simply bought the debt from someone who had to remove it. There is no contact information for themHere is the link from consumers talking about these criminals XXXX XXXX XXXX XXXX & XXXX & XXXX XXXX XXXX XXXX & XXXX
Consumer complaint received 2016-10-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MD)

This company charges an interest rate of 783 %. I was recently made aware that in Maryland, the maximum amount of annual interest on a loan under {$1000.00} is 33 %. I tried to contact Big Picture Loans in reference to this interest rate and an attempt to settle this debt but the email sent came back undeliverable. I have already made XXXX payment of {$180.00} which is interest only.
Consumer complaint received 2016-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

I have requested from ERC that they provide account-level documentation to me to verify XXXX accounts that this collection agency is reporting to the XXXX credit reporting agencies. This collection agency has not replied nor have they contacted me.
Consumer complaint received 2015-07-06
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: KEYCORP (VT)

ON XXXX/XXXX/2015 I PURCHASED A KEY POSSIBILITIES PREPAID DEBIT CARD. AT THE KEY BANK IN XXXX, VT. XXXX. 2 HOURS LATER I LOST THE CARD. ORIGINALLY IT HAD {$400.00}. I CALLED THE BANK IMMEDIATELY AND REPORTED IT LOST. I WAS TOLD I HAVE A BALANCE OF {$210.00} AND A CHECK WILL BE MAILED TO ME FOR {$210.00}. TODAY XX/XX/2015 I CALLED KEY BANK AND THEY SAID I HAD A BALANCE OF {$.00}. THEY MADE A ERROR AND AS IT STAND 'S I AM OUT $ XXXX DID THE RIGHT THING AND REPORTED IT LOST. THE CARD NO. IS XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VT. XXXX XXXX.
Consumer complaint received 2016-10-18
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: KEYCORP (MA)

I completed a loan application with XXXX ( now Key Bank ), was given what I thought was a pre-approval letter but in reality was a pre-qualification letter to purchase a home. I paid for the home inspection, appraisal and up until mortgage committment day, everything was going well. On the day of mortgage committment I was notified that I did not qualify for the loan product they pre-qualified me for and was denied the mortgage based on me making too much money.
Consumer complaint received 2015-06-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP (ME)

I believe I was charged excessive overdraft fees by Key Bank. I had a death in the family later last year and was really struggling. I slipped up a few times and did n't complain. The way they are applying the charges to my account created overages when their did n't need to be any. I am not asking for a full on refund but I have asked them for help. They have charged me a total of over {$500.00} last year and over {$600.00} already on charges that were most often put into the negative by how they chose to apply them
Consumer complaint received 2015-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (GA)

Enhanced Recovery has reported XXXX negative trade lines with failing to properly validating the debt. On XXXX XXXX I received a collection notice from Enhanced Recovery payment of {$390.00} for a debt owed to XXXX XXXX. I sent them a request for validation. It looks like they received it XXXX XXXX, 2015. Enhanced Recovery failed to properly validated this debt and reported it as a collection in XXXX of 2015. Furthermore on Enhanced Recovery sent me a settlement offer XXXX XXXX, 2015 for a XXXX account again i sent them a request for validation ( a letter dated XXXX XXXX, 2015. I never received anything from them. In XXXX 2015 a collection was placed on my credit report. I firmly believe that Enhanced Recovery actions are illegal. I want these negative entries removed from my credit report.
Consumer complaint received 2016-09-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP (OK)

Security Finance of Oklahoma is a signature finance loan company. When I found myself unable to pay, I first began getting harassing calls making me feel threatened. I then had an employee from Security Finance come to my home and threatened that they would have me put in jail if I did n't pay my bill.
Consumer complaint received 2016-12-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMCOL Systems, Inc. (OH)

I have an unverified account from AMCOL. I had previously disputed this account. I have never done business with AMCOL. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMCOL Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMCOL Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CrossCheck, Inc. (VA)

My check was denied at a merchant in XXXX, VA due to a financial monitoring company, " Cross Check, Inc ''. When the merchant checked with the service, they said my check number had already been used. The merchant knew me and let me pay with the check. 

I called the Cross Check number and the only option an automated system gave me was to file a complaint online, by mail or by automated phone line. 

My bank account showed the last check issued and it was not the check number being used and the bank balance was fully funded. This was an unnecessary embarrassing situation due to bad information by Cross Check XXXX Inc, and they gave me no option to find out what caused their system to deny my check other than file a complaint.
Consumer complaint received 2023-02-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (VT)

That you fell behind on payments in XX/XX/XXXX and applied for the Vermont Homeowner Assistance Program. 

That Mr. Cooper submitted a V-Record to XXXX indicating that you were behind for your XXXX XXXX payment and that your reinstatement amount good through XX/XX/XXXX was {$9800.00}. 

That VHAP disbursed funds of {$9800.00} to Mr. Cooper in early XX/XX/XXXX. 

That Mr. Cooper improperly applied the XXXX funds and that your account is still indicating a large escrow shortage and late fees that should have been paid off by the XXXX funds.
Consumer complaint received 2015-03-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Business Bureau (TN)

I recently pulled my credit report and this company has reported that I owe them a debt. I never received a letter from them informing me that I owe the debt. I have never gave this company permission to access my medical records. I was not afforded my rights under the FDCPA section 809a
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

The ( XXXX ) addresses below are reflected on my credit report, however I have never lived at either address. 

XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX. XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2016-11-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: State Home Mortgage (GA)

My loan was sent to foreclosure while working with my mortgage company in XX/XX/2016. I do not want my loan to go back into foreclosure. I was unemployed and not able to pay my mortgage XXXX XXXX. I got in touch with my mortgage company. I was told to submit information to XXXX. I was denied but started a new job. In XXXX, I was then told to work with another department in mortgage company for options on bringing my loan current. I submitted the paperwork as requested and my loan was sent to foreclosure XX/XX/2016. I was told to wait and not make payments because the mortgage company was working with HUD on my loan. In XXXX, five days before my house was to be sold, I was told a claim would be filed with HUD on my behalf. I was to make payments starting XXXX. In XXXX, I received the claim paperwork which listed my mortgage as 9 months behind. From XXXX is only 7 months. The payment I made XX/XX/2016 is being held in suspense. The information in the document I received from an attorney regarding the HUD claim states if I default on my mortgage loan the exasperated figure must be paid immediately. I pay mortgage insurance with my loan as well. This document also states that I give over the right to sale my house. I called the attorney and no response. I contacted the mortgage company and they are not being honest. My loan should have never went to foreclosure in XXXX. I fear it will go back into foreclosure before this is resolved. I only want to pay my mortgage. I was going on their advise but was never given the option of just paying the money owed. Now the numbers are exaggerated and I am only being given the option of filing a claim with HUD.
Consumer complaint received 2015-07-02
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (CA)

Allied Interstate LLC is contacting me in an unprofessional manner. They call me Monday thru Sunday at all hours of the day. Calls come in at all hours of the day and night. It is extremely annoying and upsetting. I had already made payment arrangements with XXXX XXXX Bank, the credit card company. Now, they 're sending me these people to supposedly collect a debt.
Consumer complaint received 2017-01-20
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Hewitt-Capital (TN)

This company has called me from a block phone number twice yesterday and to my mother home phone leaving a name and phone number only, when I called back a lady named XXXX answered the phone and said someone would have to be at home for paperwork to be delivered there and that person must show legal id and also called a reference and left the same message while still calling from a blocked phone number. I called back to the phone nimber listed lady name XXXX answered the phone amd said the company name is XXXX.When I asked for XXXX to transfer me the phone when to a guy that would give me a phone number to call nor address and told me he was calling from XXXX.when I tried to look up these companies online did n't give me any information and the phone number they called from I could n't get answer back after I called and left voicemails. I called today to company that I had the debt with XXXX they gave me the phone number to debt management partners then when I called them I got the phone number to Hewitt capital and a young lady named XXXX told me the account was locked and she would n't answer any questions nor traffer me to anyone she got my contact information and no one has called back yet.
Consumer complaint received 2021-09-01
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. (LA)

I've sent Letter last XXXX It's almost 60 days now and doesn't have a response yet. I am a victim of Identity Theft and someone used accounts or personal information without my permission. I was so stressed. I already contacted credit bureaus and furnishers. I need help with this issued.!
Consumer complaint received 2017-04-28
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: Experian Information Solutions Inc. (GA)

I reported to  XXXX  an error on my report that knew nothing about. The dispute confirmation number provided to me was  XXXX . I requested that  XXXX  to provide me with the original application so I can verify that I am associated with this balance amount. I never received anything that I requested but received a report that the account has been verified. I ca n't get   XXXX   to provide me what they used to verify that this account was mine. It 's my position that this account does not belong to me and since   XXXX   has not provided me with validation - original application for product/services with my SSN or signature, this collection placed on my record should be removed.
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MO)

I 've been fighting with Equifax for over TWO years about their reinsertion of information without proper notice to me about it. I 'm sick of writing letters and need HELP!!!!! All other bureaus have deleted the erroneous information, Equifax had deleted it but then like magic they all reappeared without notice. I did NOT do an online dispute but an in writing paper dispute and did not ask for my rights to be waived in using the " expedited dispute process '' which would have waived my rights. I want this stuff GONE as it was deleted prior.
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

Experian provided me a report # XXXX that Said XXXX XXXX told them that the item on my credit report meets the requirement of the Fair Credit Act XXXX XXXX has a permanent FTC & CFPB order against it See page XXXX paragraph XXXX also green tree did not accept a certified letter return receipt requested nor write back I sent Experian a copy of the consent order, certified return receipt requested and they signed for it on XXXX XXXX all files are attached if the FTC CFPB consent order attached means any thing Sanction Experian for thumbing their noses at you.
Consumer complaint received 2015-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (KY)

I received XXXX services about 5 years ago. It did not work properly with the dvr and other functions so I called them to fix the problem. They sent a couple tech reps out to fix the problem with out resolution. I called them numerous times top fix the problem but no one showed up. I called to cancel the service. They wanted to fix the service and said they would charge me an early termination fee if I canceled. A XXXX representative showed up and could not fix the problem. I canceled the service after numerous attempts to fix it and months without the correct service I was paying for. I was patient and feel I was robbed. They quoted me a price the XXXX month and it almost doubled by the XXXX month and was still getting no service. They have turned me into the credit bureau and I am disgusted and do n't know who to turn to for help. I do n't understand how they can get away with this.
Consumer complaint received 2016-09-03
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. (MI)

I do recall owing this money to XXXX. I turned in all of the equipment when I changed service. I 'm just not sure I left a balance. If in fact you do find that I do still owe them I would like to make arrangements to settle.
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Stellar Recovery, Inc. (CA)

XXXX did not change the amount owed. I was charged for XXXX services and only had XXXX. The phone was always needing service order requests that eventually never got resolved. I will pay the bill once corrected.
Consumer complaint received 2016-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: KEYCORP (OH)

Hello, I have many private school loans with Key bank. They are claiming I defaulted on XXXX large loans with them. They are demanding that I pay them each month, but they will not send me the loan agreement for XXXX the loans that they claimed I defaulted on. I thought that I was paying these loans through XXXX. I am so confused on how to sort this out. I do n't think I should have XXXX loans in default.
Consumer complaint received 2016-09-27
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: TCF NATIONAL BANK (NV)

In XXXX of 2016, I fell 2 weeks Behind on my auto payment Of just over $ XXXX.Gateway One Begin calling me Relentlessly everyday Sometimes starting as early as XXXX.I informed the rep not to call before XXXX which they agreed to.In XXXX They started calling again At XXXX And XXXX.. I spoke with a manager who apologized And said it would not happen again.Now in XXXX The XXXX. calls Have started all over again For the third consecutive month.They have called me and no less than 10 times today, Sometimes Three calls within one minute.I answered the phone and ask to speak with a manager immediately But was told To call back if I wanted to speak with a manager and they hung up on me.My phone rings from XXXXTo XXXX.7 days a week From Gateway One XXXX.This starts after 7 days And continues until the payment is made. I have not had a 30-day late payment as of yet.
Consumer complaint received 2016-08-14
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (FL)

On/about XXXX XXXX 2016 I applied for a Discover it credit card on XXXX. On XXXX XXXX I got an email confirming that I was approved for the Discover it card and that {$50.00} gift card was loaded to my XXXX account as part of my approved card, which would be mailed to me. Around that time I also checked my credit reports on creditkarma and found that my XXXX credit score was excellent. XXXX scored slightly lower and " good. '' By XXXX XXXX I still had not received the credit card from Discover and I became concerned. I called Discover at XXXX and told them about it. They said they would close my account ending in XXXX and issue me a new Discover it card with a different account number and it would be mailed to me in 3-7 days. They confirmed that they do have my correct address. I asked what the last XXXX numbers of the new credit card would be and customer service said they ca n't tell me. 
I called Discover the next day and asked if they would -- per the Discover it card terms on XXXX -- send the replacement card by overnight shipping. Customer service put me on hold a few minutes then came back and said yes the card would be sent overnight shipping. So I 'm not sure what " overnight '' means in Discover land but it 's been longer than overnight in my world. 
My complaints are XXXX : Why is this credit card mailing being delayed? I noticed that the " approved '' Discover it card has been deleted from my list of credit cards on my XXXX account. And no further notice of approval has appeared on either my amazon or been sent to me by email. I 'm sensing an element of deception here. 
XXXX. My credit scores as of today have dropped XXXX points and XXXX points respectively for XXXX and XXXX. The only recent change in my activity has been my application and approval for the Discover it card that never arrived.