davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
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. (PA)

A child support agency in North Carolina sent information to Credit Bureau ( Experian ) for child support arrears in ( XXXX XXXX XXXX and only after i applied for a modification of my orfer. Before this i was never reported to thus or any other credit bureau ... and these arrears are from the year XXXX. 
Before XXXX and before i applied for modification ( nothing was ever reported ) this is retaliation due to friction that we had while in court. 
My EQUAL Protection Rights were violated as well. Due to the fact i never was notified that i was or could be reported to credit bureau or any such notice. I havent missed a payment in years. ( they Garnish my SSDI ) check and hv sone so for years..at least. For the last 6 years now. 

I contacted the child supporr agency and spoke with Supervisors as well as The Deputy director ( XXXX XXXX XXXX ) phone # XXXX XXXX who looked into the case..my case and agreed that i should not been reported to Credit Bureau XXXX The court order never stipulated this and ( again ) i was never given notice of any impending sanctions. 

XXXX XXXX instructed her subordinate XXXX XXXX XXXX to recode my case file as to not be reported to the Bureau from here on out. XXXX XXXX notified me at the beginning of ( XXXX ) That it had been recoded and wouldnt be reported any longer. Her # is : XXXX XXXX XXXX XXXX. I have disputed this With Experian in XXXX and XXXX. To know avail. I on the second dispute even updated them on the recent discovery and that i had spoke to the Child Support deputy Director, who ordered my case to be recoded to not ..or no longer be reported. I even Provided Experian with her name and Phone no. As Well as they were calling the wrong agency Prior to this. They never called XXXX XXXX. And still continue to Report my Child Support Arears. Wwll nit actually reporting any new or up to date info. BECAUSE the Child Support Agency is no longer reporting my case. So now it looks as if im NOT paying my Child Suoport at all because no updates will ne reported by Child Support Agency. And Experian refuses to take past info reported off of my report.
Consumer complaint received 2017-02-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (FL)

My wife and I bought our home in XX/XX/XXXX with an adjustable rate mortgage loan for {$220000.00} through XXXX. This loan was eventually sold to PHH Mortgage, and we are having a problem with this company. Due to unexpected hardship and an increase in the payment due to the interest rate adjusting I missed some mortgage payments. We began trying to work with PHH Mortgage to fix this issue and be considered for modification or other programs they had available. We received letters from PHH Mortgage telling us that they wanted to help and work with us. However, when we tried to follow up with them via phone we found the opposite to be true. We were transferred from one department to another. We were never assigned a single point of contact. We were given conflicting information, and led to believe that there was no help available, even though other representatives and letters from PHH led us to believe that there was help and that we qualified. Besides being confusing it was painful because we fell further and further behind on the loan because of the obstructionist tactics of PHH Mortgage. We are now in foreclosure and PHH is preparing to set an auction date of our home. I served my country proudly as a XXXX and paid on this loan for over 10 years. They have collected thousands of dollars in interest and principal payments from me, and now they are refusing to give me the chance to fix this problem and save my home. 

We had no issues paying on this loan for the first 10 years, and even after I retired from my position as an Industrial Designer we were able to afford the payment. We ran into trouble in XX/XX/XXXX when I began having some medical issues that required large co-pays. The issue was exacerbated when PHH Mortgage began servicing this loan and the interest rate adjusted and our payment went up almost {$300.00} a month. We hung on as long as we could, but eventually started missing mortgage payments. Not long after that we attempted to initiate communication with PHH Mortgage to be reviewed for a modification. My wife was and still is working full time, and I was receiving SSI, so we had income, but due to our hardship and adjusting rate our payment was no longer manageable. 

We believed PHH when they sent us letters stating that they intended to help, that there were programs available for people in our situation and eagerly anticipated working together to restructure and modify our loan. However, we were sadly mistaken. I feel the least they could do is give us the opportunity at resolving this matter. Instead we talk to a different person every time we call and we have never made any progress in getting a review for options conducted and face the real possibility of losing our home to foreclosure.
Consumer complaint received 2017-09-08
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. (OK)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XX/XX/XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2016-12-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Synovus Bank (SC)

I bank with XXXX a division of Synovus. I have been a customer of theirs for almost 5 years now and have never had an issue until this month. In the end of the month of XXXX 2016 I was assessed several overdraft fees that I should not have been charged for, as I had a positive balance. After calling and speaking with a supervisor, they refunded half of the service charges. Then again at the end of XXXX 2016 I was assessed XXXX overdraft charges, and XXXX of them were in error. After calling the customer support center again, they only refunded one of them instead of both. This is becoming a problem that has already cost me over {$100.00} this month. As I said prior, I have been a customer of theirs for several years and just started having these issues this month. After speaking with them today, they told me that they would no longer refund any overdraft transactions, including if it was an error on their part. Being a consumer, this made me very upset and is the reason I have decided to file a complaint against them.
Consumer complaint received 2016-10-23
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Weltman, Weinberg & Reis Co., L.P.A. (IN)

They call several times a day. After I do not answer for a long period of time they lock my ability to pay on-line so I will have to call them to be able to make a payment. 
This is a non-federal student loan I co-signed for my son. Since signing the loan I filed bankruptcy and was told by my attorney I would no longer be responsible for this loan.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-08
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. (UT)

Equifax employed lax and careless security standards with my personal data as well as the personal data for 140+ million other Americans. They allowed this information to be improperly and irresponsibly secured and they were hacked exposing myself and millions of others to potential risk of identity theft. They then asked me to waive my right to litigation in order to confirm whether they had leaked my information.
Consumer complaint received 2017-09-08
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. (CA)

My identity was compromised in the Equifax data breach which reportedly was discovered on XXXX XXXX, 2017 - the compromising includes my home address, telephone, SSN, DOB, license number, and potentially more harmful information. I have since placed a freeze on my accounts at the major credit agencies.
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Balance transfer fee — 
Company: DISCOVER BANK (NY)

E-Mail sent to Discover Bank : Good Evening, Please see chat below. I am very upset. I applied for a credit card with balance transfers of approximately {$8000.00}. I was only approved for {$2500.00} after adding my husband ( copied ) who works for a bank and has a credit score over XXXX and a excellent credit history. We immediately called Discover and asked for an increase to {$8000.00}, so we could still work with you for these balance transfer. We were turned down and told that we have to " prove '' ourselves before asking for an increase. At that time we told the representative that we will not be using this card. We were told quite dismissively " that is fine '' and the call ended. 

A couple weeks later I received notification that a partial balance transfer was conducted by Discover and I am being charged {$71.00} for it. I already took care of my balance transfer with XXXX. So now I have a credit due to me and I need to get that money back ASAP to pay back Discover. I will not pay the {$71.00} because I told your employee that I would not be using this card. 

I attempted to resolve this in the chat below, where I was told that not using the card is different than canceling the balance transfer. When I placed my call immediately after getting the approval amount, I made it clear to your employee that I needed {$8000.00} to do my balance transfer. Once turned down, I said that I would not be using the card and I was dismissed. Instead of your employee 's rude response he should has either asked " do you still want to do a partial balance transfer '' or " if you would like to cancel the balance transfer, then you must do the following ... ''. I am a new customer. How am I supposed to know your policy and procedures five minutes after being approved for a card? I am an XXXX attempting to establish my credit. I would have simply cancelled this card, but I was afraid it would negatively impact my credit score, which is why I told your employee that I would not be using this card. Your employee knows Discover 's policy and procedures, not me, and they should have at least made the attempt to work with me as a new customer. This was my first ever dealing with your company and it was not good, and now things are going downhill even faster. 

I was told on chat that the {$71.00} can not be reversed. So I am being punished for your employee 's inadequate customer service? I would choose to not pay the {$71.00}, but once again I am afraid how it will impact my credit, as an immigrant attempting to establish himself here. So instead, I will make the payment by the due date, if this is not resolved prior. However, I will also send a copy of this message to the CFPB, the XXXX, and any other consumer reporting agencies who may be interested in this story. I will also attempt to contact Discover publicly via XXXX and other social media platforms. As I mentioned to your employee in the chat, I find it very hard to believe that Discover has no way of rectifying this situation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

My mother sent a check for {$14000.00} to Navient to pay off my student loan debt. The check was cashed by Navient on XX/XX/XXXX, 2017 but has yet to be credited to my account. I have contacted Navient on XXXX different occasions and they have yet to credit the money to my account. They claim that the check was going to be refunded to my mother, because they did not realize it was for my account but then they realized it belonged in my account, and now are in the process of crediting it to my account. However, they have been saying the same thing for 22 days now.
Consumer complaint received 2017-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TX)

I have tried reaching out to this company to ask them to please verify the debt showing my identification being used because the debt their reporting is not mine. Im a XXXX vet with XXXX and had my car broken into and items were stolen.
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

I am submitting this complaint with CFPB because I am livid in the way Wells Fargo continues to give me the run around and its making it difficult for my case to get reviewed! I have submitted a complete packet with updated financials with my son 's promotion, my raised of income including a new part time job! I have attached the letter I send Wells Fargo to help me postpone the sale date on my property until my case evaluated. I 've spoken to several customer service reps and managers and no one has been able to assist me. They have continued to give different answers and that is very frustrating! Please review the attach letter with all the details. I have a sale date coming up on XXXX/XXXX/2016. Please help me I am in urgent need to stop the sale date. Thank You!
Consumer complaint received 2017-10-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TN)

I sent a payment in and they refused payment so therefore I do n't owe anything. I have a bank copy of the rejection of payment. They never got back with me. So I just let the file go. Yes they sent me a bill. They never sent a bill until I requested and then it was n't the amount that was agreed upon. The amount was higher. Since they rejected my payment I believe I do not owe the monies.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (SC)

Upon trying to obtain a credit report at a car dealership, I was told I am reported as deseased through at least XXXX credit report company. After contacting them, they stated that my former bank told them I was dead and only the bank could undo the issue. I have tried writing to my bank 's credit compliance division ( as there is no phone or email contact info ) with no response.
Consumer complaint received 2017-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (FL)

Over the years I had noticed a few times it seemed money was added to my student loan balance in addition to the interest, so I started keeping my own records. I noticed a balance added with no reason when I logged in on XXXX XXXX XXXX. The week prior, XXXX XXXX XXXX my balance was {$24000.00} and I made a payment of {$300.00} ( Which would lower it to about {$24000.00} ). The week after a balance was mysteriously added to my account. On XXXX XXXX the balance rose to XXXX.I track the interest accumulation carefully and this one did n't add up. 

I made multiple attempts of getting an answer from customer service and trying several reps, in which they denied it ever happened. They told me my records were not correct, not only on that day, but they actually changed the balance amounts historically to reflect a higher amount on specific dates. I finally reached a manager after multiple attempts for and answer and hours on the phone. The explanation after extensive digging ( and denying it ) was that " they added back uncapped interest from XX/XX/XXXX'' and that it was an error in the system which effected a group of accounts, so they added it back in XXXX. I sent in a certified letter requesting the explanation in writing on XXXX XXXX, but they refused to provide it. They would only call an offer to explain on the phone. The real thing to consider is ; how many other times have they done this and not been caught? This could have happened multiple times and who knows how many students. Adding money 3 years after the apparent system error did not sound believable to me and it took a long time before getting an answer.When I graduated I owed roughly {$24000.00}, over years of being underpaid from corporate greed the balance grew to {$31000.00}. Finally with a better income I was able to pay it back down to the original amount. How many other times they discretely added money in there we may never know.
Consumer complaint received 2017-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NV)

This debt company responded stating that they sent correspondence on X/X/17. I had already relocated to another address and therefore did not know nor receive a notice from them ... {$6000.00}. I informed them that I had moved but they are refusing accept the proof I am providing showing I was living at an another address. Please investigate this company as they are making a false statement re : being notified. I will be providing the rental agreement again showing date of execution of move.
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

My experience with the store XXXX XXXX in XXXX has been the most infuriating and I was tricked into getting a Home Depot credit card. My boyfriend and I recently purchased a house and needed a washer and dryer. I already have a Best Buy credit card and they had a promotion for 36 months interest. We were going to purchase them from Best Buy, but when we went into this store on XXXX/XXXX/XXXX, we were informed by an appliance employee that if we applied for the Home Depot credit card, we could get {$600.00} off a better ( and more expensive ) XXXX set and the next day was the last day of the sale. I was also informed that delivery was typically 2-3 days. The next day, after I got approved for the credit card, I came back to the store to purchase the XXXX set. After about an hour and a half the same appliance employee could not figure out why the {$600.00} was not being deducted. Another 30-45 min goes by and he tells me he finally figured out that the {$600.00} only applies to the washer and dryer if we purchased all kitchen appliances as well. Heartbroken that now Ive fallen in love with this XXXX set, I ask to speak with a manager. The manager only speaks with the employee over the phone and agrees to take {$350.00} off. When he comes to perform an override on the system for {$350.00} off, he is on his phone and does not even acknowledge my presence. All in all, after being at this store for almost 3, maybe 4 hours and paying about {$300.00} more than my budget, I was ready to get out of there and finish painting my new house. Instead of the normal 3 days, I didnt get my set until 6 days later XXXX/XXXX/XXXX. They showed up with a XXXX set so I refused the delivery. I went back into the store and spoke with the delivery manager. She said she could try to find the sale price on the XXXX set so I waited again for about another 30-45 min. She said she could give me the sale price for the XXXX set but she couldnt give me the additional {$350.00} off. I again waited to speak with a manager. This time the department manager said he couldnt take {$350.00} off and he was off the day I made the original purchase. He stated that he would not have approved the discount if he had been working that day. He did not offer any solution to the problem, and didnt care that his associates were misleading and giving out incorrect information to customer. After getting my refund, I left with no washer and dryer and only the feeling of being tricked into a Home Depot credit card.
Consumer complaint received 2017-10-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (GA)

Today, XX/XX/XXXX, I spoke with a representative from AES. We discussed options for natural disaster forebearance and later loan repayment options. I told her that someone called me yesterday, XX/XX/XXXX, and said I needed to use their services to consolidate my loan and get loan forgiveness if I made 3 payments. I started the process and went through the security questions. After which, I did not complete the call because my phone battery died. When he called back, it died again so he texted me repeatedly. I finally called him and there was no answer. He called me repeatedly again and when i did n't answer, started sending me threatening and inappropriate and unprofessional text messages which I have documented and sent me a screenshot where he had disabled my FSA ID so that I can not access my account. He continued sending me inappropriate texts and I did not respond any further.