davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Conn's, Inc. (TX)

I submitted a payment to Conn 's of {$830.00} when the balance on the account was {$770.00}. I inadvertently submitted a second check for {$770.00}. 
Conn 's confirms the received payment of {$830.00} on XX/XX/XXXX and the check for {$770.00} on XX/XX/XXXX. I have contacted Conn 's regarding the over payment of {$830.00}. They promised on XX/XX/XXXX to look into it and get back to me. I heard nothing. On XX/XX/XXXX one of their agents XXXX said they were still investigating but confirmed the over payment. On XX/XX/XXXX at XXXX manager XXXX ( XXXX ) promised to contact me on XX/XX/XXXX with updates.On XX/XX/XXXX I asked for updates and they could provide none. I requested a statement of activity. I was told I would receive it within 3 days even though he had access immediately and could read it to me he said their email processing time was 3 days.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

ON XX/XX/XXXX I CONTACTED XXXX XXXX XXXX TO DISCUSS A CHARGE OF {$290.00} ( CHARGED-OFF ) ON MY CREDIT REPORT. I WAS A PREVIOUS STUDENT ATTENDING THE XXXX   ON FINANCIAL AID WITH NO OUT OF POCKET COSTS. DUE TO MY HEALTH AND HOSPITALIZATION I WAS UNABLE TO ATTEND THE CLASS AND NOTIFIED MY ACADEMIC ADVISER IN XX/XX/XXXX. I VERIFIED WHAT THIS CHARGE WITH FOR WITH THE SCHOOL AND I WAS TOLD THE SCHOOL WAS REQUIRED TO RETURNED FUNDS BACK TO THE DEPARTMENT OF EDUCATION AND THE PRORATED FEES WERE ASSESSED TO MY SCHOOL ACCOUNT. 

- THE PROBLEM IS I WAS NEVER NOTIFIED OF ANY TYPE OF FINANCIAL AID PROBLEMS. 

- THE {$290.00} IS A RESULT IN A FEE THE SCHOOL ASSESSED FOR A CLASS I DID NOT ATTEND. 

- I WAS NEVER PROVIDED AN OPPORTUNITY TO PAY THE FUNDS IF FACT I AM RESPONSIBLE. UNDER MY STUDENT ACCOUNT HISTORY I WAS NEVER INVOICE FOR THE AMOUNT SHOWED CHARGED OFF ON MY EQUIFAX CREDIT REPORT. 

- XXXX  XXXX XXXX IS NEGATIVELY REPORTING A CHARGED OFF ACCOUNT THAT HAS NEVER BEEN VERIFIED AS VALID ON MY EQUIFAX REPORT. 

- THERE IS NO AGREEMENT THAT HAS BEEN PROVIDED THAT I HAVE WITH THE XXXX   REGARDING ANY FEES THAT I OWE.
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MN)

Recently in a response to a settlement offer on my account ( ending in XXXX ), I contacted Discover. I spoke with a customer service agency, XXXX, about setting up payment arrangements on a past due account since I couldn't afford the settlement. I sent in a {$500.00} good faith payment as agreed upon on the date agreed upon and then regular monthly {$200.00} payments, which they have accepted and cashed. Even when I was out of work and on unemployment benefits I sent in regular payments, albeit smaller than the minimum due, just to show that I had every intention to pay this account.All payments have been cashed by Discover but in XX/XX/2018, despite a payment agreement in place, my account was sent to a collections agency. Despite this, knowing that I had this payment agreement, I have been sending in my payments to Discover as I guaranteed that I would, and I have been writing letters with each payment asking this to be removed from collections and to keep the agreement that was set up with their customer service department. No one ever contacted me back in response to these letters. I have also been in contact with the collections agency, XXXX XXXX XXXX whom held the inaccurately discharged account as well who state they contacted Discover and they have no record of the payment agreement. Which is absurd since I personally talked to a customer service agent and I have kept my end of the deal. This should have NEVER been sent to collections. 

I filed a BBB complaint against XXXX and got an email from the Executive Office of Discover from XXXX XXXX stating that she was going to look into this on XX/XX/2018. I then received a letter from the sheriff on behalf of XXXX XXXX XXXX stating that I was being sued. Which is insane since I was making all my payments as agreed upon with Discover, they knew this and still continued with collections activity even though I was disputing the collection activity of this account. 

Since XXXX emailed me on the XXXX I have sent XXXX emails, one with proof  of all cashed payments and left XXXX voicemail and she has not responded at all. 

I feel I am being screwed over by this large bank and my credit is being hurt in the meantime. I need help. I want to continue my payment arrangement and have this account removed from collections and off my credit report as in collections. I want to make good on my debt and avoid bankruptcy but I am.getting zero response from Discover. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2018-07-19
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)

This is a complaint against the Fraud Department and Special Needs of Equifax in XXXX and English, I am a victim of identity theft for more than two of us, and they have many reports that I have sent to them, to dispute and to remove those accounts from my report, but it is who have said that the police report that I uploaded say they do not meet the requirements of the investigation department and that the police report is fraudulent. In other words, the XXXX XXXX XXXX Police Department, Fl XXXX, made fraudulent reports the XXXX  fraud department. They are affirmed that this report is false. The accounts I am disputing are seven ( 7 ) and one of them Equifax is reporting double is XXXX/XXXX # XXXX for an amount of {$16000.00}, and the other is from another account # XXXX, XXXX   XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX   XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX. And the following inquiries, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. These accounts do not belong they were not opened by me and this is why I go to the Consumer Finance bure so that you are witnesses that the department of fraud of Equifax in XXXX do and say what they want at such level to discredit the police with fraudulent reports according to XXXX. I invite the board or do not know which department receives these complaints, audit their employees and be more cautious when it comes to accusing and saying that a state police  department makes false reports and that their officers are corrupt because they are pretending to do these false reports. As they say they are false, here I am going to ask that this department be contacted to see who is right. I feel humiliated by the Department of Special Needs that manage my credit becauseI have sent via upload through the email which they send to me after I have talked to them. I comply with everything asked of me and even then they dont remove the accounts even with a police report and according to law which they are supposed to remove within 5 days.
Consumer complaint received 2018-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MD)

I am writing this in extreme frustration of Navient, formally known as Sallie Mae for their vicious and repeated robo calls during the tenure of my payback period. I have been repaying my loan to Navient for several years and on several occasions, if only a day late with the nearly $ 400 monthly payment that I was required to make, I would receive repeated calls ( up to 6x a day ). These calls would all be robots, all from different random numbers and states, all with no one to talk to, including repeated calls to my co-signer. Navient is the only loan servicer that I deal with that has displayed this type of what I consider industry misconduct. The calls are harassment, and ineffective ( there is never s real person on the line ) I am apparently unable to remove myself from these calls, and no way to negotiate an affordable payment. Navient has repeatedly refused to lower my monthly payment, so there were occasions I would be late ; which is why they would justify these repeated calls. I ultimately had to take out a loan to set up a recurring payment to keep it under control, so the calls and harassment at this time has haulted. Unfortunately I was forced to do this because I had no other way of catching up. I want to flag Navient for potential loan seekers or even those who are currently dealing with them. Stay Away if you can.
Consumer complaint received 2018-07-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (NV)

My mortgage company, by default, is Selene Finance. I had never missed a payment until last fall ( which was due to greatly decreased income as a result of having to retire on XXXX ). I tried to get caught, but they would not take my payments. I applied for and reciev d ( in XXXX ) a grant from XXXX XXXX XXXX in the amount of XXXX. I have been trying to work with SF sorry nce them to get them to accept the grant money and modify my loan an. They did not send me the paperwork until XXXX, which I returned by the end of the month. 
Meanwhile, theyve been sending methreatening letters, charging me late fees and further interest. Today I finally recieved another bill from them, in which they have accepted the money, but the staement says I owe XXXX months, XXXX late month with added fees, but they have not sent a loan modification, or lowered my monthly payments.
Consumer complaint received 2018-07-19
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (VA)

I was renting this apartment and was paying on time.then i made a rent payment in the dropbox me and my roommate and somebody else were dropping their payment off.i was notified about 3 days later that they did not recieved my rent payment.i show them the money order reciept.where i made payment.so somebody that worked in the rented offices had to take the rental payment.which was XXXX total.i showed them in the rental office my proof.well they stated that they will extended my rental period to come back up with the money.i stated thats not fair.somebody in your rental department is taken people rental payment.and it happen several time before it happen to me.so i made a stop payment on the money order but it was to late.the money order was forge in XXXX virginia.so i made an police report and everything.but the whole sitution was still brushoff by the rental office.so i tryed to figth it in court.but they lied in court.filed false docment.and then charge me.all kind of late fees.i am disputeing this debt.because i didnt owe this company money.how are you going to make pay.again and my money was stolen out your rental office thats nelegect.on the rental company but punish me for their mistake.then charge me court cost.and attorney fees.this apartment complex should still be investigated.they have been many tentant the same way and now they put this on my credit report.that unacceptable.and its not affair when consumer try to figth these big corporate they use all kind of scams to beat the little man.and credit companys just take these theives words and place these things on people credit and damage they lifes it not fair.i want this remove.or a 100 word statement under this report with the apartment complex name add in it.for consumer to know not to deal with them or consumer that have experiences the same thing that i have.thanks
Consumer complaint received 2018-01-05
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: Veripro Solutions Inc. (GA)

Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in 1998. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was severely XXXX both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!
Consumer complaint received 2018-01-05
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: SELECT PORTFOLIO SERVICING, INC. (GA)

Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in 1998. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was XXXX XXXX   both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!
Consumer complaint received 2018-01-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime (IN)

Currently I am homeless and have been living in XXXX for the past 3 years. I use my cousin 's address as my permanent mailing address for any important business. In XXXX XXXX I came to XXXX to live with my cousin because I was having such a struggle and was about to have a child. While there I got a job with the XXXX XXXX XXXX, which I still have the job. I was laid off there but before I was, in XXXX XXXX, I XXXX XXXX XXXX went to DriveTime to apply for a car and was given a loan. I put a down payment and supplied them with everything that they needed. Upon me picking up my vehicle I did n't have my driver license with me because they were in the state of XXXX and it would be over a week before I could receive them, so they requested that my cousin sign to drive the car off the lot. We made it clear to the sales person that she is not applying for any car loan of any sort. 

I was the person who supplied all my pay-stubs, filled out the application WITHOUT HER and they checked my credit and told me that I was eligible to get the loan. The car as always been in my possession after I drove off the lot and I was the person making the payments and keeping in contact with the creditor when I could not make payments. I had been in a constant battle trying to get the contract corrected without her on it and they kept making me promises if I did this, they would make the correction and that never happen. 

Now the car has been placed on her credit report and the reason that it was repossessed is because I was struggling to pay rent, make payments and all my other bills. I am currently homeless and barely can feed myself and XXXX children. 

I have spoken with my cousin about this matter and she is very upset because she can lose her job because she works for the XXXX XXXX XXXX because of this credit issue that has been created. Also, she keeps getting denied every time she tries to obtain credit for a major purchase and have to explain that this is not her debt ; but because Drivetime has put her as the owner of the car, it does not help. 

We have requested to get a copy of the application but that have not received it. You are the only hope to get this situation corrected. Attach you will find the copy of the contract that was supplied to us that is diffidently not correct.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion Customer Service would not help and take care of the negative inquiries reporting to my credit report XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX via XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2018-02-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA (IL)

I applied for a loan with XXXX by Goldman Sachs in XX/XX/XXXX to which I was denied a loan and received a Notice of Adverse Action. I waited some time to re-apply in XX/XX/XXXX and was denied yet again. I waited until XX/XX/XXXX to re-apply again and was declined again. I called into their customer support number at XXXX on XX/XX/XXXX where I spoke to a representative who informed me that my " re-apply '' date depends on the reasons for which I was being declined. I asked him to give me a specific re-apply timeframe to which he could not because " their reps are not able to see the reasons for which an applicant is declined. '' He then proceeded to tell me he was able to retrieve the letters that were sent to me, which indicates, to me, that he had access to the information I was requesting. He escalated my call to a manager who told me the reason why I was unable to re-apply was due to " time too recent between last application decline. '' I then asked the manager to provide me with the original reason as to why I was declined since she was apparently able to see those reasons. Well, " she couldn't discuss those over the phone '' and didn't have access to them since they were archived. So, to be clear, they started out telling me that decline reasons could not be shared ; then they were able to be shared ; then " certain '' decline reasons we unable to be shared. That seems deceptive and clearly not being upfront with the customer 's information.
Consumer complaint received 2018-01-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (OH)

I have been making student loan payments for months until I become unemployed. Even while I was employed, I asked to lower my payment of {$1000.00} a month and I was denied. 
I felt lied to because while I was applying for the student loan, they said there are income based payment options. No one worked with me about that. 
So I continued to make $ XXXX payments until become unemployed on XXXX/XXXX/XXXX. 
I initiated the call and explained them that I lost my job and asked for some time until I find a job and continue making my payments. 
Every time I told them I am unemployed and have no money to pay them, they kept calling weekly. Constantly harassing and threatening. Some weeks they called more than once the same week even I spoken to an agent 2 days prior. 
Called me non-stop, kept calling and bothering my mother which she got very frustrated because she could n't understand exactly what they were saying due to English being her second language. 
All I wanted from them is to stop harassing me and give me time until I find a job. 
Instead, they kept threatening me with default and possible legal action. 
I am on the verge of XXXX, and I need a way out and/or some one who can help me make arrangements with them. 
My credit score went from being very good to very bad in a matter of couple of months. 
Thank you
Consumer complaint received 2018-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

Chase cancelled my automatic payment on XXXX XXXX, 2017 which resulted in a missed payment in XXXX. I discovered their error on XXXX XXXX when looking at a statement and wasted over an hour of phone calls with them to resolve the problem. They provided conflicting information about what happened, and then hung up on mu when I asked for my call to be escalated tot a manager. I was financially harmed by their error to the amount of about {$75.00} in a late charge, and also lost several hours of my time dealing with poorly trained and incompetent members of their servicing team. 

During my call with Chase, I was told that they had 2 different user ids and passwords for me to access my account online. This sounds like a security issue and a problem with their systems which should be examined very closely.