davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MD)

The payment website for servicer, American Education Services " AES '', is confusing and when you pay it is not clear how your payment is being allocated to the various loans that they have under their servicing scope. This has majorly impacted my credit reporting as I have struggled to keep up and often would pay intending to have the payment applied to the appropriate loan to avoid adverse credit reporting. Additionally, I just received error notices on the handling of the account from AES and have uploaded copies for your reference. Lastly, I received conflicting information regarding workout programs available to me as a borrower. I submitted a request for short-term loan workout assistance due to hardship at the end of 2015 and was approved. They forwarded a package to me to have returned for long-term loan workout assistance request. I did not receive this package to be able to return it timely. I requested another to be sent and was declined that option as I missed a " window '' for return that was never conveyed to me. Further, I was told that I could not be reviewed for short or long-term loan workout assistance until 12 months of payments were made following this debacle. I request a full review of the account, AES to update their website for transparency around general payment applications ( this is critical when there are potentially several loans serviced with multiple due dates ), AES to review general payment practices ( the general payment should cover the most delinquent or the earliest due amounts ), removal of all alleged late payments ' credit reporting from my account, and alteration of existing borrower hardship loan workout assistance practices. Thank you for your time, consideration, and assistance. Feel free to reach out to me with any questions or if any additional support is needed.
Consumer complaint received 2016-09-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

My mortgage had been in bad standing for several months due to some life changing event that included husband being laid off from work, martial separation, and daughter stating school. Green Tree had been contacting me extensively and I kept informing them of my issues at home. At one point I was 2 months behind and a person from Green Tree left a letter on my door asking for me to contact Green Tree. I then contacted them and was informed that I needed to submit a complete package of bills, paystubs, and letter informing them of my recent changed. I then called to follow up with Loss Mitigations and was informed that my case could not get reviewed until my account was current. I would ask for the Loss Mitigations phone number and was informed that they could not speak to me until my account was current. I then took a loan out in order to may my account current and not get forclosed as I was told by Green Tree and then called back once again to see about my Loss Mitigations case and was told that it was closed and could no longer be reviewed because my mortgage was current. A few months later I called back once again to see about reducing my finance rate and was asked to fax several documents. I had to pay a fax service {$30.00} just to send all of the information needed. I was then informed once again by Green Tree that I did not have any options available.
Consumer complaint received 2020-12-17
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. (OK)

Sent letters asking to validate and remove false, non metro 2 compliant, misleading, also false information from account and it was never responded to remove.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After having been denied credit based on a report from TransUnion, I requested a copy of my credit report. I found that TransUnion credit reports include detailed information about scheduled payments and amounts paid as well as account balances. I also found that the information about the scheduled payment and amounts paid for my accounts were frequently incorrect. Those reading my credit report would learn, incorrectly, that I regularly made no payments or very low payments when higher amounts were due. This reflects negatively on my creditworthiness ( and the creditworthiness of other affected customers ). I requested that this incorrect information in my credit report be corrected. For most accounts, after a couple requests, TransUnion simply deleted the detailed monthly information and retained only the more common " OK '' rating showing that the accounts were in good standing for the relevant months. This was an acceptable resolution to the incorrect information on those accounts. 

However, XXXX particular account ( a XXXX card on which I was an authorized user ) was completely removed instead. This was the oldest account on the file and had a high credit limit with very low utilization. The unrequested change significantly reduced computed available credit, raised overall utilization, shortened my credit history, and lowered my credit score. I do n't see why consumers should be penalized this significantly for requesting correction of payment record information, particularly when TransUnion had another good option available to them ( i.e. just removing the detail rows, which were incorrect, as they did on other accounts, including another XXXX card ). 

TransUnion explained to me that this is just how the rules work, and that they do not own or control the data or the rules. They claim it is out of their control that the rules about whether or not authorized user accounts would be included on my credit report changed because I had requested correct information. Yet, there was NO WAY for me to know this would happen when I requested that my credit report information be corrected ; I would have thought they could have handled that account similarly to others. They explained that since I had made that original request, there was no way to reverse their removal of that account from my credit report. 

This should not be the rule. If it is, it should be made clear to consumers at the time they are choosing to request correct information on their report ( e.g. " Because you 're an authorized user on this account, raising ANY questions related to it will cause the ENTIRE account to be COMPLETELY AND IRREVERSIBLY REMOVED from your credit report. Are you sure you want to continue? " ). I spoke with a TransUnion representative on the phone but he indicated that no such transparency would be happening.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

I was charged for an XXXX bookstore purchase that I did not make on my Barclay 's visa. I only originally got the card to finance an XXXX product and once paid off I actually emailed thr company and requested the account be closed. They did not close it and I noticed months later on my credit report that there was a late payment on this account in reference. I have no missed payments and I do not recognize the charge and I also have never made a bookstore purchasethroughXXXX to my knowledge. I already have an XXXX visa for all my XXXX purchases so I am pretty certain I would not have charged one thing to the Barclay 's card. I actually destroyed the card once I asked that it be closed. I contacted the company and received a letter stating I won the dispute but only for 1 dollar. I was very confused by this and continued to contact them and got an email stating that it could take 30 days to investigate. But its been several months of going back and forth and my credit score has decline 100 puts since. They also closed the account on me due to lack.of payment and now with all the late fees and interest it is hundreds of dollars owed. I have even called and spoken to a manager and dispute specialist to which that has been no resolution. And I have been denied the ability to finance some necessary services for my home due to this particular remark on my credit report that previously was in the 750s and had no missed payments. Still nothing back from Barclay 's.
Consumer complaint received 2016-01-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (VA)

My personal account is with Sun Trust bank. The paoblem is with a practice that banks use known as reordering transactions. On XXXX XXXX XXXX I had numerous transactions that I made for the XXXX season. On Monday XXXX XXXX XXXX I had a balance of {$45.00}. I went to XXXX and spent about {$10.00} on my debit card, The next morning XXXX XXXX XXXX i look at my phone and see that I am now negative over {$400.00}. I expected to see XXXX overdraft fee because my wifes check that was direct depositied from her employer was incorrect, they did not pay her the full amount due by XXXX of dollars. That being said if the bank had made the debits the way the transactions were made then that would have been acceptable. Instead they switched everything around they paid a large transaction they claim on the XXXX and put the smaller ones that I had made on XXXX/XXXX/XXXX after they cleared the larger XXXX from the XXXX this change caused me to have XXXX overdrafts or {$240.00} in fees. I went to my local branch and spoke to the Branch manager, XXXX XXXX he said that he did not have the authority to drop the charges and that he woudl have to send the information to another department. As of this date XXXX/XXXX/XXXX at XXXX nothing has been done.
Consumer complaint received 2016-12-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

I continue to have problems with Ditech. I made a payment for my mortgage that was due XXXX XXXX, XXXX. I sent the payment with the statement for this due date on XXXX XXXX, XXXX. It was received by Ditech according to their own records on XXXX XXXX, XXXX. Instead of being applied to XXXX 's statement, it was applied to the principal of my loan. When I failed to receive a statement to make the XXXX XXXX, XXXX payment, I went to my account online on XXXX XXXX, XXXX. It was then that I realized that Ditech had misapplied my payment from XXXX and had assessed a late fee because it indicated that it had not received the payment for XXXX XXXX, XXXX. I called customer service and XXXX told me that she would put in a request for reallocation and to reverse the late fee. I went ahead that day XXXX XXXX XXXX, XXXX ) and made a payment to cover the XXXX XXXX, XXXX payment. On XXXX XXXX, XXXX, I saw that my XXXX XXXX, XXXX payment had been applied to the XXXX payment and that my new due date was XXXX XXXX, XXXX. Today, XXXX XXXX, XXXX, the due date is now back to XXXX XXXX, XXXX, and both XXXX XXXX 's and XXXX XXXX 's payment are in a catch all category of " unapplied amount. '' This is unbelievable! They have also not reversed the late fee, even though my XXXX and XXXX payments were not late. I will call them again tomorrow but this is getting ridiculous!
Consumer complaint received 2016-04-28
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (GA)

I had applied online and got approved for a Chase XXXX XXXX online. Received the card on XXXX/XXXX/16. For whatever reason, 4 days after receiving the card, Chase chose to suspend the card in the name of " fraudulent application ''. At my request, my husband an authorized user went to a branch, and the branch manager stated we should hear back in XXXX48hours. I called Chase, 24 hours later, and after confirming many answers, was told to wait XXXX48 hours. Subsequently, another 48hours later, I spoke to a Fraud supervisor, and she mentioned that I would have to wait XXXX10 business days till a case worker was assigned. This process does not seem to have an end, or a method to the means. I applied online, I receive a card, and then without asking me ( although I answered many security questions Chase deemed this application as fraudulent ). They are not telling me why? Is this an abuse, by accusing me of doing a fraudulent application when I did apply and verify? Now the Fraud supervisor says the Recovery Department will call me in XXXX10 business days. Also, I have made valid charges, which if not paid can affect my credit, and I have no way of paying it.
Consumer complaint received 2017-01-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (PA)

I received a letter from Transworld Systems Inc. dated XXXX/XXXX/16 for the amount of {$110.00}. 

I have no idea what this debt is about since I pay all my road tolls, parking tickets and medical bills. I have never received a bill from a creditor for this amount so this is the first communication I received about owing a debt. 

The letter did not state who the creditor was or what the bill was for. The Transworld website contained no information to check this account for me to look it up. The phone numbers listed on the letter and website are dead numbers so the company can not be contacted. I have read online ( consumer reports ) that other consumers are having their credit reports damaged by this company who ca n't be reached for questions about the debts they 're trying to collect. 

Please help.
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc. (IL)

I applied for a Loan Modification on : XX/XX/XXXX to Seterus, with the help of XXXX XXXX, a complete financial package was sent to be considered for a HAMP ( Home Affordable Loan Modification ). However to start with, Lender informed that this account was " locked '' by a Law Firm, which I never authorized. 
The " lock '' was removed and with the help of XXXX we were able to send the Financial Package again on : XX/XX/XXXX. 
On XX/XX/XXXX, Lender offered me an internal TPP, however this was not a TPP HAMP, and the terms were very confused. I decided not to accept the offer and applied again specifying that I would like to be considered for a Home XXXX Loan Modification. 
On XX/XX/XXXX another Financial Package was sent specifying my desire to be reviewed for a HAMP. 
On XX/XX/XXXX Lender informed me that my package was incomplete and some documents were missing, those were sent and another offer was sent to me, with the same " confusing '' terms, meaning they were only extending my maturity date XXXX more years and did not lower my interest. However due to the fact that Lender already sent me to foreclosure, I accepted the terms and my final documents were received this Monday XX/XX/XXXX. 
Up to this point, Seterus has been unable to explain me why I was never considered for a HAMP and why they did not lower my interest rate.
Consumer complaint received 2016-12-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

I.C system has been trying to collect a debt I do n't owe.The original owner of the debt was XXXX.A power provider that advertises its services without the need of a contract or even credit check.My obligation to XXXX was fulfilled and no balance was due upon the termination of service. However, XXXX claims that a contract was entered and an early termination fee is due.Such charge was disputed and removed from my credit report back in XXXX of 2015. However, I.C system is once again trying to collect on a account they know to well is satisfied.Furthermore, they 're once again reporting negative information to the credit bureau.
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

My loan was with Wells Fargo and I was going to do an assumption loan to get my ex wife off of the loan. Wells Fargo said they my loan could be assumed by me with no appraisal and everything would stay the same as long as I was credit worthy. The total cost was going to be around {$1000.00} plus Florida fees. In my divorce decree, it said I had to get my ex off the loan within five years. Five years is this XXXX My house is upside down so there is no way I can do a regular refi on my home. I called Wells Fargo to tell them I want to do their assumable program and they said that my loan had been sold and would have to go through XXXX XXXX XXXX since they bought the loan. When I called XXXX they said they do n't have that same program and to get my ex wife off the loan I would have to refinance the loan. Since my loan is upside down I ca n't afford to refi. I am going to have to let my house go into foreclosure if I ca n't work something out with someone on this. I do n't think it 's fair that because my loan was sold I can no longer do this program that Wells Fargo had. Is there anyway I can make Wells Fargo keep my loan until I do their assumption loan? It does n't seem fair to me.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX, I disputed this account twice which resulted in the account being removed both times. As of XXXX XXXX2020 this account now reappears on my Equifax credit report. I never received any notification that this account would be reinserted on my credit file. Why is this company allowed to remove an item then reinsert the same item with new dates. That is a direct violation of the FCRA. Please investigate this. I would like this item removed from my Equifax credit file just as it has been removed from XXXX  and XXXX. Thank you,
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

I had an account with Discover that had been closed for many years but still had a balance that I was paying every month. Then in XX/XX/2020 I received a statement for a balance of XXXX and I paid it in full on XX/XX/XXXX. In XX/XX/2020 I checked my credit through XXXX, the bureau that my bank uses and it showed that my credit score had gone down because Discover had reported me as delinguent for not paying. I called Discover and spoke with a person who gave me her name as XXXX. She took the extra charges off and when I asked her if they would get with the credit bureau and take the false information off she checked with her supervisor and said they couldn't do that and I would have to call the credit bureau myself. I then called XXXX  and after quite a while I was connected to a person who said I would have to file a dispute with XXXX. None of this is my fault. I paid Discover in full the amount they said I owed on the statement and that should have been the end of it since the account had been closed for years. I have worked long and hard for my credit score and don't appreciate this.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

Filed a dispute with Equifax XX/XX/XXXX regarding creditor XXXX XXXX XXXX XXXX falsely, fraudulently, and inaccurately reporting accounts included in Chapter XXXX Bankruptcy filed XX/XX/XXXX. Received Dispute results back and Problem has not been resolved creditor continues falsely reporting account information, altering its address on my other credit files, and reporting false information regarding account ; in addition keeps adding fraudulent payment history for XX/XX/XXXX and XX/XX/XXXX on my XXXX   Credit File. Filed a Final Notice to creditor XXXX XXXX ( 10 ) day in which Creditor left dispute letter unclaimed. In addition filed additional dispute and supporting documents letter and a Final Notice to the Credit Bureau Equifax. Consumer has also requested the removal of all Fraudulent, False, and Inaccurate information regarding account with XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (NC)

back years ago, I believe in XX/XX/2013 there was a charge of over XXXX that I did not authorized. I kept paying card anyway because I did not want my credit to go down hill. I was paying over XXXX in interest alone and could no longer pay it. so I tried everything to try to get it fixed and I could not get it done. so I stopped paying it. I had no choice. I am still today, dealing with being turned down for low interest cards because of it. it is removed off of one of the bureaus but not on all of them. again I was turned down yesterday and it needs to be removed from all the bureaus
Consumer complaint received 2019-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

On XX/XX/2019, I contacted Navient because they have incorrect rly calculated my IBR payment amount. This is the 7th or 8th time they incorrectly did this and now they are trying to get me to change my plan, or take an administrative forbearance. They continued to give me the runaround when the payment is incorrect and it is their error : my payment went from approx XXXX XXXX  monthly to XXXX XXXX  monthly. Our income has only changed by XXXX XXXX so a payment of around {$200.00} would be maybe accurate. 

Navient is gaming the system knowing we will never be able to pay in full, so the interest they can rack up will be paid out at the end of IBR regardless of it they do it wrong or not.
Consumer complaint received 2019-01-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aargon Agency, Inc. (NV)

When I checked my credit score I was taken back by how low it is, a further looked showed me that I have been sent to collection for a hospital bill from the XXXX XXXX XXXX Hospital. I have NEVER been seen by a doctor there! Nor did I ever receive a bill from the XXXX hospital or the collections agency! The Bill is for {$290.00} I haven't been able to receive any information about what it is for and why its at collections. It terribly hurting my credit score, and I don't think its right to have to pay a hospital bill you when have never been seen by a doctor there. I was never sent any bills or " last warnings '' I was only made aware of said debt when I checked my credit score on XXXX XXXX.