davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (ID)

I went to XXXX XXXX XXXX XXXX and I graduated with a XXXX Degree I graduated in 2006. Getting an education at this school was the worst decision of my life. My debt is so bad and I struggled getting work when I XXXX got out of school which just compounded my debt. I also found out that my degree is pretty much worthless and does n't transfer to any other college, I digress. I 've been doing everything in my power to pay down this enormous debt. My current interest rate is at 8.75 % thru Navient/ XXXX XXXX which they increased my interest last year. I pay over {$2000.00} a month and still owe around {$200000.00}. Do I have any options, anything at all, that can help me pay more towards my principle or bring down my monthly payment. I 'm not trying to skip out on paying what I borrowed but the amount that was added on top of what I borrowed is insane. I feel that I 'm a slave to this debt it will be for most of my life. My advise to others is do n't ever follow your dreams if it involves going to a college like XXXX XXXX because in my case it was the exact thing that prevented me from achieving it.
Consumer complaint received 2015-09-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (WV)

XXXX 2014 I was contacted by XXXX stating that I owed a bill. I told them at that time that I have never had their service and asked for the service address, which I was told was in California. I informed the rep at that time that I have never had the service and have never lived in California. At that point I was told that it would be taken care of an apologized to. No further contact was received. 

I recently applied for a job with XXXX XXXX and as part of the process for selection, my credit was pulled. My credit is not perfect but I have worked hard to repair my credit and pay debts off and have succeeded thus far. When reviewing my report in XXXX that was pulled for the candidate selection I found a collection notice on their from Stellar Recovery in MT for XXXX XXXX. I contacted Stellar, who had my current address but was referred to XXXX. I have talked to XXXX numerous time and they have not been able to find an account in my name matching the last XXXX of my social. The last conversation I had with them is that it is not my fault I allowed my information to be compromised ; outrageous. If I had allowed my information to be compromised why could they not find an account in my name? I was talked down to and spoken to horridly and still I am now getting the blame. I have lost the job that I was after, which would have given my the income boost that I need. XXXX simply will not do anything at all. A negligent company like this should not be allowed to be in business. I feel that they should be financially responsible for my job loss, violating the laws of conversion and allowing a fraud to occur and reporting falsely against me.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This morning, I was shocked to see inaccurate accounts appear on my credit report, and I have no idea why they are there. I check my report regularly, but this time, these discrepancies came out of nowhere. I even refreshed the page, hoping it was just a glitch, but nothing changed. The inaccuracies stayed. I'm now asking for a thorough review of the documents I've provided so that I can finally stop worrying about this.
Consumer complaint received 2016-02-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a XXXX, currently unemployed. I was looking at options to finance my education, and wanted to know if I had enough ( any ) credit built to take out a student loan without my parents cosigning. My free credit report did not display whether I had any credit established, so I paid XXXX {$1.00} for a full credit report. I got the report and saw that I did n't have any credit built so I would have to get my dad to cosign. 
Flash six months later, I recieve a text message from my bank telling me that I have overdrawn my account. It could n't have been possible, because I have n't been using that card. I looked at my bank statement and noticed that I have been receiving monthly reoccurring charges of {$19.00} since XXXX 2015. XXXX automatically signed me up with out me knowing to a monthly subscription with TransUnion. I had no idea this was happening, and the customer service department was extremelt insensitive when I explained the situation. I do not have an income, and I do not have any credit for them to monitor. It was disingenuous to sign me up unknowingly, especially for a purchase that was not authorized buy the card owner. They will not refund me. I want the company to be held accountable for what they did.
Consumer complaint received 2015-04-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP (FL)

The loan company ( Security Finance Service ) had made XXXX hard inquiries without my permission back in XXXX and XXXX 2014, the reasons are they were trying to locate. They were n't trying to give me another loan. I believe that this is the FCRA violations and its illegal. I had send them certified mail and talked with the loan company through phone in civil matters. Their response they will not send me a letter or no response at all to settle any dispute.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (FL)

I did not find a suitable line to check for my particular issue as follows. 
When one applies for a loan the Credit bureau is immediately notified while it take XXXX days for debtor payment to be reach the credit bureau. This undue delay places the debtor and his family at a disadvantage given the important role that credit score play in the market place. This unwarranted and iniquitous delay in reporting a change in the debtors ' credit status could mean life and death for those of us who operates on the margin. The cruel and inordinate delay could mean homelessness for those of us who are renting property, lives are interrupted, and children may not be able to attend school.
Consumer complaint received 2016-03-21
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A. (IL)

I purchased a washer/dryre from Sears in XX/XX/XXXX. I made regular payments and was never late. In XX/XX/XXXX, I made a payment on the due date and was immediately turned over to collections. With the proof that the payment was not late, I contacted Citibank and demanded that their mistake be corrected. When I tried to make my next payment, I was unable to do so because a survey came up that demanded ansers to questions that had nothing to do with my online account. The survey requested a home phone number which I did not have and they had my cell phone number. I was locked out of my account. I had sent 20 emails, which I still have. They were all blocked and none of my calls were returned. I received no paper statements and when I tried to access my account, I was unable to do so. I then sent them a check for payment in full for the last balance I could access. My check was returned to me with no explanation. This account was then turned over to collections in XX/XX/XXXX. It did not say that it was for Sears and after many calls to different collection agencies I was refused the information as to what account this debt was originally for. I refused to give my private info and pay a debt when I could not get the name of the original creditor. This month I received another letter from XXXX XXXX with all of the information for this account and it was the first time I was told that it was from Sears. I paid the balance on this through the collection company which was less than the check I had sent to Sears 4 years ago. This is ridiculous and should never have gone to collections. I have since called citibank and they have said they have no record of this account. I have been put throuhg a huge hassle and had my credit negatively affected by their poor customer service practices. I still have every email and letter that I sent to them. They never tried to resolve this matter with me directly.
Consumer complaint received 2016-02-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants Credit Corporation (WA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX E-mail : XXXXXXXXXXXX Cell Phone : XXXX Dear Madam and Sir, On XXXX of 2014, I found that I could not XXXX, so I went to XXXX XXXX, XXXX XXXX XXXX, Emergency room. They tried to treat me, but they could not and made me lose a lot of blood, then they asked me go to XXXX XXXX. In XXXX emergency room, they solved my problem and took much more time and only charged me {$700.00}, but XXXX XXXX XXXX charged me {$1100.00} and could not solve my problem. My insurance company and me have paid them more than {$800.00}, therefore. I should not pay more to them, but they asked collection company to collect more money. I think that is not right and XXXX XXXX XXXX charged me too much. The account # of XXXX XXXX is XXXX and the Account # of Merchants Credit Association is XXXX. If you need more information, please tell me. Please tell me I should pay them more or not. 

Thank you very much for your help XXXX XXXX
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL (VA)

Amazon has a private label credit card called Amazon Rewards. If you are an Amazon Prime customer, when you make a purchase you offered {$1.00} in credit if you accept normal shipping rather than Prime Shipping ( two-day ). But, Amazon does not offer its customers an easy way to figure out how much credit they have accumulated and when these credits expire. As far as I can tell, the only information about credits presented to customers takes place through email. Amazon should provide an easy accounting of credits on its website.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (TX)

My first statement from the company was sent directly to my husbands ex wife at her address instead of mine which was provided on the application for credit. I was told by the company that this was a USPS problem but upon receiving the statement from my husbands ex, it was sent directly to her with no yellow sticker on the envelope & the USPS management not having anything on record.
Consumer complaint received 2016-03-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (AZ)

I have contacted Barclays Bank Delaware on several occasions attempting to resolve my consumer complaint regarding their handling of my credit card dispute. I notified Barclay Bank on several occasions that I had no knowledge of a credit account that was showing as charged off on my credit report. they continued to report it as well as sold it to a 3rd party without initiating an investigation. In addition after reporting the account to them no less than 4 times as well as sending them written notification of dispute they continue to give the run around and extend the time of their investigation. I have requesting immediate resolution and have not received any such resolution. I continue to get the run around from Barclays Bank Delaware in my attempts to resolve this matter. The representative have cited incorrect sections of the Fair Credit Reporting Act in order to justify their actions and treatment of this matter.
Consumer complaint received 2016-02-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SUNRISE CREDIT SERVICES, INC (MA)

My private XXXX student loan was transferred to a new owner sunrise credit. I receive multiple calls a week from this company and have complained twice to them about it. If I make a payment I get a call that I have n't made a payment. If I miss a payment due to financial strain and explain to them I will not have it til the following month they state they will note that in the system yet I still receive daily calls. It is extremely frustrating and during my last call that I answered I told them this is considered harassment and that I already spoke to someone who was supposed to " note '' in the system when I will be making my next payment.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

I received a text message from Chase Bank letting me know that they were preparing a wire to go out from my checking account. I immediately called and let them know I didn't request a wire from my c/a I to stop the the wire/pull back the wire ( I know you can do this as I work in mortgage lending/banking ) They transferred me to the department that prepares wires and they insisted that I requested it. I said I did not and do not send it. This went on for 45 minutes, when they finally sent me to the wire department and I spoke with XXXX. He told me that he would not to check into it and call me back. He called me back and said it met the criteria and it would be sent. They didn't send it till XX/XX/year> when I called him back I asked to whom it was sent to? He said XXXX XXXX XXXX in Pa, which was a Chase account. I don't know any one in Pa. He indicated that Chase requested the money back but, were waiting for their response. They never got back to Chase and they would send it to the wire department to investigate. I received a letter 2-3 weeks later thru the mobile app and said they found I requested the wire. I have been trying to get my money back from Chase and to no avail. I believe they were complicit with this wire fraud. 
I have gone into the local branch in XXXX, Utah and spoke to the branch manager, XXXX XXXX, XXXX and she sent a report the wire department and they would get back to her. It was 9 days later and she called me to tell me that they received request to investigate and they would be calling me in the next few days and it would come from the prefix number of XXXX which would come from XXXX. I never received a call. I contacted XXXX to let her know that I never received a call. She called me to let me know I would receive something soon from Chase. I received a notice on the mobile app stating that they found it to be that I did request the wire. I'm so frustrated as this has been a financial burden to me. Please help me.
Consumer complaint received 2016-03-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OR)

My current Mortgage holder sent me an Escrow Analysis Statement in XXXX 2016. On the form, after review, I found countless errors in the statement. I called the Mortgage holder and they agreed there were errors, and they sent me a revised statement, that still contained errors. At this point, they refuse to do another analysis claiming that their numbers are correct. I spoke to a supervisor and she refused to honor my request for another look into the statement. Currently my mortgage contract states that 2 months of escrow may be held in reserve. The are asking for {$60.00} additional to supplement the " projected '' low balance, when in fact it is only about {$10.00}. The original statement they sent was asking for over {$400.00}, but I could not make any of their numbers match up. I suspect they are doing this to XXXX customers as well. I have a signed contract with these people and they are failing to abide by that contract or the fair credit lending act.
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (LA)

I purchased my home with XXXX Mortgage nearly XXXX years ago. I was told that in about XXXX years I could refinance the loan at a lower interest rate. In about a year of purchase the loan was transferred to Greentree Servicing. Due to medical reasons I have fallen behind a few times and have requested numerous loan modifications. I have never ever received a response to any of my request. Recently I called Greentree due to a notice of default I received. I was finally informed that my loan does not qualify for modification because it was a previous XXXX Mortgage loan. This makes no sense to me at all.
Consumer complaint received 2015-09-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MN)

I purchased a XXXX XXXX XXXX in XXXX a lienholder title state in XXXX of XXXX, than moved to XXXX a title holding state and registered the vehicle in XXXX of XXXX. I subsequently refinanced with another company car finance capital who is requesting the original title " XXXX '' for some reason Santander consumer consumer sent a copy to XXXX but can not produce the title for a reason unknown. I would think that as the lienholder they would have the original title but they " Santander claims that I supposedly have it.
Consumer complaint received 2016-02-05
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP (LA)

My house was wrongfully sold in foreclosure during loan modification, I have received jgmt for amount usbank bought the house back for after erroneous foreclosure sales. Principal at time was {$70000.00} and did none of the credits from XXXX/XXXX/XXXX of {$3200.00}. For loan modification as stated in phone call XXXX/XXXX/XXXX XXXX XXXX with usbank and following calls with XXXX XXXX. And {$820.00} XXXX and {$4900.00} for XXXX modification. I have requested several times what {$21000.00} RCA fess itemized. It looks like they have added sale figures back to principal on modification papers for sales principal of {$92000.00}. Please go over figures and they have told me they added the past due onto the principal which is wrong figure. I started filing application for loan modification since XXXX. They have dragged their feet for 7 years due to farm loan and made the expenses what they are today. My husband lost his job and is why we fell behind on the note. My husband has since been XXXX and we are still going rough that process.
Consumer complaint received 2015-07-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIBANK, N.A. (PA)

My daughter ( XXXX - Cust ID XXXX ) has student loans originally Citi Bank and they were sold to XXXX Student Loans. There are XXXX student loans with the bank and has been forced to pay XXXX separate payments each month. I am a co-signer ( XXXX XXXX ) on the loan and when I contacted about the issue, XXXX states that Citi Bank will not allow them to consolidate the loans so that my daughter can pay a single payment per month. All of these loans are with the same bank and yet they are billing all XXXX payments for each month separately creating a large payment per month that she can not afford to pay. Below is a list of the loans and the payments due each month : Loan Number XXXX, {$180.00} ; Loan XXXX {$100.00} ; Loan XXXX {$100.00} ; Loan XXXX {$140.00} ; Loan XXXX {$110.00} ; Total per month = XXXX. This amount per moth is unaffordable. Can something be done about this situation? We are trying to repay our student loan debt but the bank 's policies are unreasonable. It feels like they are deliberately setting families up to fail. Please help!! We are close to defaulting on the loans.
Consumer complaint received 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (LA)

there was a judgement against me through iberia bank. in sometime in 2015 XXXX XXXX, with iberia bank agreed to settle the judgement. We settled in the amount of XXXX and this would wipe out the judgement, interest and all. Have document to show i paid out about XXXX to release me of all debt and yet this judgement is still on my credit report. please advise what my next step is.
Consumer complaint received 2015-07-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX/XXXX/14 my checking account was in the negative and the bank took it upon itself to transfer funds from my joint checking account into the checking account in the negative. I did n't ask, request or authorize them to do this. Nor, did I sign anything giving them permission to do this action.
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (LA)

I 've been waiting since XXXX XXXX for the state of Alabama to investigate a tax lien against me. The lien was for unpaid state income taxes in XXXX, which was not valid as a I was a Louisiana resident. Finally, the state 's taxpayer advocacy office provided me with the attached letter saying I did not owe the state and that the lien should be rescinded. I 've disputed the lien on my credit report for all XXXX bureaus, providing the letter from the state as proof, but the bureaus will not remove the item. I am seeking to have the lien completely removed. I 'm hoping this can be done soon, as I need to help my mom buy a car.