davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (MI)

First off, I have used paypal for years. I understood the process of buying online with them and I am sure I could provide a history if I had to. When paypal broke off from ebay, something in the process changed. Something in the look of the page changed. I clicked on what I thought was the regular paypal checkout button, finished the transaction as usual, and a couple days later I got a hard credit check notification from XXXX. I checked into it and discovered I had unwittingly signed up for paypal credit. I immediately looked for a phone number for them and cancelled the credit line. They were professional about it until I stated they tricked me into signing up for the credit line. They said I should be more careful about how I conduct online purchasing. I blew it off. I just do n't want my credit score affected.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (OH)

Discover Financial Services ( DFS ) utilized deceptive advertising to promote the use of XXXX with their Discover Card product and is not honoring payments promised to customers including myself. 
DFS issued a press release promising 10 % cash back on all XXXX transactions conducted with a Discover card from XXXX. htttp XXXX After the promotion started DFS posted updated the terms and conditions on XXXX/XXXX/15 which specifically excluded the purchase of gift cards related to this promotion. Starting around XXXX/XXXX/15, after utilizing XXXX for a multitude of transactions I began receiving automated e-mails from DFS, specifically XXXXXXXXXXXX, claiming I had purchased gift cards on certain transactions and requiring me to submit receipts in order to receive the previously promised cash back. DFS me advised to contact the merchant and/or DFS would contact them on my behalf. The requirement to retain receipts was never mentioned in either the initial press release or any updated terms and conditions on DFS related websites and I had not retained any receipts which I could provide DFS. 
I e-mailed the above listed e-mail address advising that I did not have receipts for the various transactions/merchants they were questioning and was unable to obtain them for the merchant. Only XXXX detailed receipt was obtained by DFS for {$410.00} on XXXX/XXXX/15 from XXXX. After I began receiving receipt requests I began keeping all my XXXX receipts, though not required by DFS ' stated terms and conditions. 
I am requesting DFS honor all my other XXXX Pay transactions and provide an accounting for the payments they promised.
Consumer complaint received 2015-05-08
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XXXX XXXX, 2015, the account ( XXXX ) on XXXX purchased my XXXX mini XXXX XXXX Wi-Fi, for the amount of {$450.00}. The account owner, named XXXX XXXX XXXX, requested an invoice for the transaction, which I provided immediately. Then I received automatically generated emails from ( what I believed were ) XXXX, notifying me of the transaction complete, and from XXXX, congratulating me on selling my item. Since, I believed that I had received the payment from the buyer, I shipped it to the buyer with overnight priority ( which I charged to the buyer as an additional {$86.00} ), as we had agreed upon. Unfortunately on XXXX XXXX, 2015, I received an automated email from eBay stating " We had to cancel bids and purchases on the following item ( s ) for the buyer, because they were made without the account owner 's permission ''. Upon further review of the communications that I had received from " XXXX '' ( email address : XXXXXXXXXXXX ) and " XXXX '' ( XXXXXXXXXXXX ) in regards to this transaction, I realized that although the emails appeared to be very authentic, they were in fact fraudulent and malicious. The email correspondence that the buyer provided was XXXXXXXXXXXX The XXXX tracking number that I provided to the buyer after shipping the XXXX to her, was : XXXX And the address that she requested it be shipped to was : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX This address was different than her address that was provided on eBay.
Consumer complaint received 2021-01-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020,
Consumer complaint received 2017-03-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rhojo Enterprises, LLC (NC)

My name is XXXX and I a member of the armed forces. One year ago I discover an third party collection agency under the name of Orion Recovery place a collection on my credit report. I never had a contract with this company XXXX. I was XXXX during the time frame that they state I had a contract. I being trying to dispute this company with no luck. This company is damaging my credit rating and is charging 8 % interest every month. I would like to have this inaccurate claim deleted from my credit report. I have only been in contact with this company via email. I would like this company to be investigated, I feel as thought this company is scam. Orion Recovery is not bonded or insure in the state of North Carolina in which I reside. Thank you, for your time.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX serviced by XXXX XXXX XXXX  XXXX ending in account number XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NY)

I have been deferring my student loan for 5 years now. For many different reasons, but most of them are due to several XXXX issues. Issues that I could not describe in less than XXXX characters. I have lost my job in XXXX twice, due to budget cuts. I have been XXXX challenged in ways that have required XXXX, XXXX, a trip to XXXX XXXX, I could go on forever. Since Navient took over XXXX XXXX, they have been harassing myself and my family via email, usps, and phone calls. Four or five times a day. I have records of all paper and email. The email correspondence just requires a " yes '' reply to defer, but the phone calls keep coming, especially to my mother, who is in no way connected to my loans other than she signed for a private loans for books with XXXX XXXX, and that was paid off years ago. Again, I have proof. I feel that I am a number. That my medical condition in which has not allowed me to work is not considered. The interest keeps piling up, and the harassment to my poor mother who just had XXXX continues as they call her phone, three times a day, at least. Medical information can be provided upon request. Basically, I can supply any information needed. I do not feel I have been treated fairly, nor do I condone their harassment. Any and all feedback is appreciated.
Consumer complaint received 2015-09-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO. (TN)

Ford motor credit repossession our car XX/XX/XXXX.We pay them {$500.00} but they still took the car.Then turn it over to XXXX & XXXX XXXX XXXX law office who return put a lean on our property.We file bankruptcy XXXX which we included them for the amount of {$11000.00} which have they refuse to honor the court dismissal of this XX/XX/XXXX discharge they will not remove the lean.
Consumer complaint received 2015-10-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NV)

The US bank continues harassing me with telephone calls demanding verification of my retirements funds which is simple unacceptable. On XX/XX/XXXX @ XXXX I received a call from XXXX XXXX ( XXXX ) XXXX XXXX demanding verification of my income. The funds are electronically deposited to my checking account since XX/XX/XXXX ; consequently, the US Bank continuously telephone calls demanding verification of my income is a desire to harass me which inflicts severe emotional distress. The US Bank have all information kept in files. Additionally, the US Bank have the option to communicate with me via e-mail. This type of harassment needs to stop immediately.
Consumer complaint received 2021-01-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (WV)

XX/XX/XXXX was the first initial contact with a family member of mine about this debt, then on XXXX the XXXX I requested a validation letter over the phone and on XXXX the XXXX I requested a validation letter by certified mail. After not hearing from them after sending the debt validation letter I assumed that they were unable to prove this debt actually belonged to me, as I don't believe that it does since I've only been to this office five times and paid on my bill every time I went. I sent a failure to validate letter by certified mail on XXXX the XXXX stating that " As of today, you have failed to respond to my requests. For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XXXXSince you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. The next time that I received any communication from this company was on XX/XX/2020 when it was put on my credit report.
Consumer complaint received 2017-02-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (DE)

I have a FHA loan with quicken loans and have met the equity for it to fall off but I am still being charged for it. Quicken loans is saying that I am required to pay this until I meet the obligation in of the amortization date stated regardless of what my loan to value is.
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Cash advance fee — 
Company: Paypal Holdings, Inc (CA)

On XXXX/XXXX/15, I initiated a cash advance on my account with PayPal credit in the amount of {$560.00}. The same day, XXXX/XXXX/15, the transaction was canceled and the cash advance was not completed. In reviewing my PayPal statements, I have been charged a cash advance interest charge since XXXX for a transaction that was never completed. I have tried to resolve this using PayPal online procedures with no resolution.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CO)

Every month I challenge NOT DISPUTE the reporting tactics of Experian and they keep avoiding my letters. They are breaking the law ( Section 609 ) of the FCRA. You will find attached a copy of new report that I received today. Experian is unwilling to provide proof that the accounts listed 1. XXXX and 2. XXXX. So here are the facts. I have been contacted by XXXX and they are telling me that this is an apartment lease with the name XXXX XXXX attached to it. This account is not in my name, I am not responsible for it but Experian is telling me that they have verified this account as being mine. THIS IS 100 % false and they are lying about this to just keep something negative on my credit report. I contacted XXXX and they refuse to send me the original signed contract so what does that say about this BOGUS! 2. All XXXX accounts XXXX in total I believe can not be verified by physical documentation. I have reached out to them and they do not have any original signed agreements from me. This is also a medical bill, and by the doctors office turning this information over to this ARS company they are in violation of HIPAA because no document was signed giving them permission to share any medical information with a 3rd party, this goes for me or any patient. ARS is unwilling or unable to provide sufficient physical proof with me that these accounts are mine much less that the account balances are accurate. Yet Experian says they have verified them and now say that they are pending. Sorry Experian but another bureau had these listed against me and removed them within 30 days because they could not verify the information to meet FCRA guidelines so how can you? You are breaking the law and you are should be held responsible for physical and mental anguish that you have caused me by having to file these complaints. I recently spoke to your rep on the phone and had to remove a Fraud Alert that you keep placing on my file to try to justify you breaking the law and when I asked her why this information was still on my credit she said the creditors are the ones that report this we just list it WHAT A JOKE. That is not what the law says. The FCRA section 609 specifically is fully meant to provide a guideline to what YOU do not the creditor. So why are you breaking the law? Why is it when I ask you to show me physical proof that what you are reporting is correct you can not or refuse not to do so? Experian is breaking the law we need JUSTICE to prevail here as i am sick and tired of having to file these complaints but because it is my right to do so I will continue to do so. The next step if this is not resolved is to call the CFPB and speak to them directly so that you can be put in your place per the law.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WESBANCO BANK, INC. (WY)

WesBanco Bank sued us over a loan on an RV. The suit was argued in the Wyoming courts and then dismissed with prejudice on XX/XX/2016. The bank was also ordered to pay our attorney fees of {$1200.00}. The bank has continued report us delinquent each month since and claims a balance owed of {$80000.00}. The bank has yet to pay our attorney fees. Several inquiries both in writing and by telephone by our attorney and ourselves has failed to illicit any response and attempt to resolve this situation by WesBanco to remove these items from my and my wife 's credit report. 

The included court documents have been submitted to WesBanco and all three credit reporting agencies, XXXX, XXXX, and XXXX.
Consumer complaint received 2016-02-12
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC (GA)

My husband and I applied for a loan while we were in a very though spot -- ha had been laid off and we needed to pay our car while he was between jobs Green Trust Cash XXXX XXXX XXXX, MT XXXX Customer Service at Green Trust Cash Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E mail : XXXXXXXXXXXX Approved us for a loan. the interest rate was at about 150 % which we were not aware of at the time. We thought we would be able to pay it back quickly. We have been paying faithfully since XXXX/XXXX/2015 and still have almost the same mount due ( we have paid a total of XXXX for a loan of XXXX and still have a payoff amount of {$400.00} as of today )
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax is running a scheme to divert people from the federally-regulated freeze program to its Lock and Alert program in a coercive manner. As I'm sure you know, to participate in Lock and Alert, the consumer has to agree to arbitration for all Equifax services and agree that Equifax can use the consumer 's  information for marketing purposes. Neither is required for federally regulated freezes. 

I am trying to refinance and have freezes with all three agencies. Lifting the freezes with XXXX  and XXXX  was easy. Not so with Equifax. When I tried online, I was directed to Lock and Alert.  I could not find a way to unfreeze online. I called Equifax and went through all the prompts, only to be told I had to mail a letter ( no  email or fax option ) containing copies of my DL and SS card in order to unfreeze my account. I spoke to a representative and was told that from date of mailing to receipt of confirmation the account was unfrozen would take up to two weeks. I was told the mail process was necessary to protect my personal information. I asked to speak with a supervisor but was placed on hold for a long period of time. I gave up. 

I then gave in and signed up for Lock and Alert. My credit was immediately unlocked without any concern about protecting my personal information. That is, if a consumer wants to continue using the federally-regulated freeze process, Equifax is requiring the use of mail and up to two weeks of delay. If a consumer wants to immediately unfreeze their credit, they must agree to Lock and Alert, agree to arbitration and agree that Equifax can use his/her data for marketing purposes. 

This is a coercive scheme to evade federal regulation, extract an arbitration agreement and obtain access to consumer data for marketing purposes. The coercion is extreme, as consumers are often seeking to unfreeze data quickly. Some, like me, are trying to lock in an interest rate and waiting up to two weeks can be detrimental. Consumers are often trying to unfreeze their credit while sitting in a car dealership ; their only choice is to opt out of the freeze program and into the Lock and Alert program. Worse yet, small businesses operating as sole proprietorships are trying to access CARES money. They have no realistic option other than acquiescing to Equifax 's scheme to access their data for marketing purposes and obtain a waiver to a lawsuit and a jury trial. Moreover, Equifax touts Lock and Alert as beneficial to the consumer, so most consumers don't know that they have agreed to arbitration and the use of their data for marketing purposes. 

Equifax 's scheme is deceitful, devious and dishonest. I urge the CPFB to bring an enforcement action barring this scheme, imposing a punitive fine and rescinding the arbitration agreements and rescinding the access to marketing data.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CT)

In XXXX I was enrolled in XXXX XXXX XXXX and seeking to attend a trade school in Georgia in the XXXX. The school was XXXX XXXX 's XXXX XXXX, which appears to no longer be in business. It lacked a useable school code as they were not a college or university. I sought financing through Sallie Mae as was advised to me. Due to the lack of XXXX XXXX, Sallie Mae had informed me that I should use the XXXX XXXX for the XXXX XXXX I had been attending, even though I would not be enrolled there in the spring of XXXX. Being XXXX XXXX XXXX, and believing I was being offered real help, I took their advice. Sallie Mae encouraged me to take their money and spend it elsewhere. Following my completion of the technical training I received in Georgia, that institution was unable to offer me options for job placement assistance. Upon seeking employment independently I found I was under qualified. I have not been employed full time in the field I studied. As well, since XXXX I have experienced several financial difficulties, and was encouraged by Sallie Mae to put my loan in to deferment and/or forbearance each time. While I was informed that forbearances were limited, I was never informed by Sallie Mae that should I find myself unemployed ( as is my current situation ) that there is no help they can offer me. Essentially I received a predatory loan from a company that was willing to let my account collect interest, forbearance fees and not encourage payments, and refuses to offer assistance to the unemployed.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: U.S. BANCORP (TN)

This account does not belong to me I have disputed this account ELAN FINANCIAL with the credit report company I have inform them that this is a fraud account. The credit report still reporting this account on my credit report they will not remove this item I have also inform ELAN FINANCIAL and they are not willing to provide with with any legal documentation with my proof of signature nor proof of DRIVER 'S LICENSE OR STATE ID please help me with this account again this account does not belong to me ...
Consumer complaint received 2017-03-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (NC)

A XXXX XXXX was repossessed by Regional Acceptance Corporation on XX/XX/2017 & I called Regional to see where the vehicle was towed to so I could recover my personal property & tag from the vehicle asap & they claimed they did n't know where it was & I know that 's a lie.
Consumer complaint received 2017-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage bought my home loan and then hounded me to refinance at an lower rate for a modest loan fee, until I agreed to start the process. Over the next XXXX months, they raised the rate after it was locked in many times, until it was no longer attractive, when they simply stopped contacting me. I have a huge number of documents about my case.
Consumer complaint received 2015-06-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ZWICKER & ASSOCIATES (FL)

I have had payment arrangements with this debt collector for several years now. Thay have been taking the arranged payment from my bank account on a monthly basis. The terms of my arrangement have expired and they claim that because I have n't contacted to make new arrangements, they have opted to sue me. XXXX days prior to being served, this company did take a payment from my account. I have never received any kind on notice outlining new payment arrangements.. I have never been sued and I find this to be just an excuse to get additional money from me. I am emotionally distraught over this. They have served me and I want to know if I shoulld retain a lawyer to protect me from any further action. I do n't want to tarnish a very good credit rating.