davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (PA)

I recently graduated from XXXX University with a degree in XXXX. I recieved information from Sallie Mae not long after informing me of my loan payment requirements, which I quickly realized I can not afford. 

I immediately called Sallie Mae to discuss my hardship in hopes for a solutions due to my promptness in attempting to sort out the issue before I end up in financial trouble. 

In the first phone call Sallie Mae simply informed me that they have no options for me at this time and my only option is to default on my loans and that at that time collections may have more options for me. 

Unsatisfied with this solution, I called a second time and in that call I was told that they can offer me an interest only payment for 12 months, essentially delaying my monthly payments not adjusting the actual amount in any way. In doing this it reduces my monthly payments in total by about XXXX dollars, however, the total payment due is still not affordable. 

So at this time, they will not consolidate my XXXX loans, they will not lower my payments every month, they will not work with me to prevent going to collections and defaulting and my only option is to default on my loans to get assistance. 

I found this experience totally overwhelming and frustrating. Unlike many financial institutions, where they work with you to avoid collections, Sallie Mae is forcing students to go to collections or file bankruptcy.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NJ)

I already filed 2 complaints for their unlawful activities and XXXX XXXX responded with the following and no other contact information.

" Were unable to complete the direct deposit at this time. For direct deposit requests, please allow the account to be open and in good standing for 90 days. '' Firstly, I have called their customer service at least 24 times and not even once anyone told me the above. They just wasted countless hours of my time by simply asking for the same information again and again and filling out the same forms again and again. This simply shows how little this institution cares about its customers and how much garbage their customer service is. 

Secondly, they just make their own policies as they go. I have read all the terms and conditions and nowhere does it state that I need to wait 90 days to get a direct deposit. Even their own website says the opposite and says that my rewards are available for either statement credit or direct deposit. They are engaging in unlawful activities by unilaterally making up their own policies. 

When they omit their contact info from the response, it highlights how unprofessional and unethical this institution is by coming up with unlawful policies that their own customer service representatives and supervisors aren't aware of, forget of their customers.
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has failed on several attempts to update my credit as asked. I have faxed information regarding my identity as well as XXXX accounts on my credit to include XXXX and XXXX XXXX XXXX. In regard to my identity, I stated to them ... my name is XXXX XXXX XXXX, address is XXXX XXXX XXXX XXXX GA XXXX, phone number is XXXX, employer is XXXX University. Transunion continues to disregard my dispute after sending in my personal identification to verify this information. 

My second issue is that they continue to report incorrect unverified collection accounts on my credit. They are AFNI, XXXX XXXX Bank and XXXX COLLECTIONS all of which I have an open dispute case with the CFPB. My dispute efforts are updated with new information added however they fail to verify this " new information '' with me and continue to leave these items on my credit. I have submitted disputes online as well as via mail in which they fail to acknowledge my issues.
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

I initially disputed my DSNB/Macy 's account in which I stated I was never late but it shows late XX/XX/XXXX In addition, there is no data reporting for the account during XX/XX/XXXX to XX/XX/XXXX. Why is there no data reporting for these particular months? I requested that Experian confirm with XXXX XXXX the validity of the late information and verify with proof where the statement was mailed because I never received. Also, on my https : //usa.experian.com account that I viewed from my cellphone on XX/XX/XXXX it showed a status updated on XXXX/XXXX/XXXX, balance updated on XX/XX/XXXX and account paid satisfactorily. How can I then receive an investigation with the account reflecting late and no information being reported and closed in XX/XX/XXXX which is incorrect? It appears someone is attempting to keep the account from going to a positive status.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

wrong address reported by XXXX leasing Company. 
I never lived at XXXX, they delivered merchandise to this address for pick up, but it was an office location. It was never my living address, please remove. It was mistakenly reported to both Transunion and XXXX, also my current address is XXXX XXXX XXXX XXXX Fl XXXX, however it has been removed as a current address with XXXX this is an error. Also, my listed age of Credit history is mistakenly listed as 0 years and 6 months with XXXX creditors. This could be due to my recently closing an account, this is an error. It should be listed as atleast 2 years. Please update, thank you
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  Date opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX  XXXX Date XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX  Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report.
Consumer complaint received 2016-12-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Monterey Financial Services LLC (NJ)

I bought an educational package from XXXX in 2014 and got enrolled into a payment plan which was to continue for a period of 12 months, the educational service was to continue for 12 months. I was making the payments on time but decided to stop making payments due to the violation of Contract by XXXX. Part of the services which was weekly support call and were deemed an important part of the services by XXXX and XXXX who was the individual who signed up. 
Those services were not delivered and due to the lack of delivery of the important part of the program and services which were mentioned while I was being lured into the program, my condition has not changed and I do not see any impact on my development in the area. 
This issue was discussed by XXXX one of your supervisors end of XX/XX/XXXX. XXXX understood my resentment towards XXXX and advised that if I bring the payment up to date till XXXX then he will try to resolve my issue. I brought my payments upto date.After that he left a message on XX/XX/XXXX as he promised and told me that he tried Contacting XXXX but XXXX never responded back to him. This is how XXXX is they want to take people 's money and do not want to deliver the services. Their contract is pretty generic and does not mention any details. They just want to rip people off. Also I tried contacting XXXX 4 times and left him 4 voice messages to follow up but he never returned my calls. 

At this point I do not think I owe anything to XXXX untill and unless they straighten up their act and start delivering their services as XXXX assured. If I keep making monthly payments with out getting any services then it does not make sense. Also to charge individuals around {$2500.00} dollars just for 4 30 mins sessions and not deliver on the following weekly calls do not make sense and is a rip off. At this time Moterey has started charging me interest on the balance and this is affecting my credit. I seriously need help and need CFPB to intervene and help me out.
Consumer complaint received 2017-03-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION (TX)

Lobel Financial increased the amount showing for a charge-off on my credit report from {$6900.00} to {$12000.00} without reason. During a phone conversation with XXXX in the legal department on XXXX at XXXX she explained that I had paid the balance of the vehicle down to {$6900.00} and the vehicle was sold at auction for {$3500.00} which meant the balance should never had doubled on my credit report. I never received a notice that the vehicle would be sold at auction and the vehicle was returned in XXXX of XXXX. Also, they never sent me a surplus deficiency letter, so I did n't know if they required me to pay an additional balance. The information that Lobel Financial is reporting on my credit report is inaccurate and must be removed according to being in violation of the FCRA. I would like to have this removed from my credit report because I feel that Lobel is being deceptive.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I really need your help with the credit score because, as a result of the short sale, my credit score was reduced and I, being self-employed, am unable to obtain contracts to support my business. 
I went through a hardship, severe medical issues and 90 % decrease of income within the last 5 years. I was advised by XXXX XXXX, XXXX XXXX, Client Relationship Manager, and XXXX XXXX, Assets Disposition Department NOT to make our mortgage payment in order to qualify for any retention or liquidation options. 
I was originally placed on a forbearance plan that I was still unable to afford. Essentially, the forbearance plan ( type of retention option ), was designed to lower the mortgage payment ; however, in reality the forbearance only increased the loan amount owed - accrued late payments, principal and interest added to the back end of my loan. The forbearance, in itself, made my property underwater ; therefore owing more than the market value. 
Since the forbearance was no longer an option ( again referencing my medical hardship ), I was forced to short sale my property and move where I am now renting a home that is 50 % less square footage This is a XXXX, XXXX XXXX ( no doc ) loan. XXXX, the originator of the loan, sold the Servicing rights to XXXX XXXX when I became delinquent on my mortgage payments. The XXXX Loan Officer also told me I would need to be delinquent on my mortgage payments to qualify for any assistance due to my hardship. 
I believe there were numerous compliance irregularities during the origination of my loan due to the lowered underwriting standards. 
Additionally, the property was originally appraised at XXXX XXXX. Due to the recession, the value was decreased to {$620000.00}. 
I caused none of this. I was advised to be late on my mortgage payments ; I was caught in the middle of a recession and also XXXX all in a condensed period of time.
Consumer complaint received 2016-12-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ZIONS BANCORPORATION (CA)

California Bank & Trust Abusive Overdraft Practices Overdrafts are incredibly expensive causing me financial hardship. I understand that California Bank & Trust abusive overdraft fee policy is unimaginably lucrative for the bank however the bank is engaging in unfair, deceptive, or abusive acts or practices. 
I am writing regarding illegal overdraft fees California Bank & Trust failed to obtain required opt-ins for my account. Continued charging overdraft fees and extended overdraft fee to my account despite my account already being in a negative state due to loss of job and financial hardship. The bank also charged overdraft and non-sufficient funds fees despite my check deposit in the branch, which they only applied towards fees and then left my account open only to continue to acquire more fees to an already negative account although I repeatedly requested to close account. They told me the branch manager is on vacation and I waited for him to return only to continue to get charged. When the branch manager finally returned he directed me to collections. I continued to be charged fee 's of {$500.00} despite my efforts to resolve the matter, again this was done to an already negative account. repeated attempts to resolve the matter via phone calls to customer service who only directed me to the branch and the branch to collections and this frustrating process continued with more additional fee 's being charged despite claims from the bank that it would not.
Consumer complaint received 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Prince Parker & Associates (OH)

I disconnected my services with XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX but they continued to charge me for service up to XXXX/XXXX/XXXX. When I tried to resolve it with them they said they have turned me over to a collection agency. The agency asked that I email them a letter of explanation and copies of the bills in question and I did. They said they would send me an email in 30 days with what XXXX said and their decision but did not think I would owe that. They never sent any email response and after 30 days they started calling again requestng the total disputed amount. When I asked for the email response from XXXX they did not know about any email I had sent or that I was told to expect an email response, and instead continued to persist on paying them. They then threatened me that if you do n't pay today they would send it to the credit agency and it would act against my credit rating. 
This is an illegitimate charge. XXXX wo n't respond to my dispute and the collection agency wants me to pay or will hurt my credit rating and continue to harass me for payment. Please help secure a response from XXXX why they think it is legitimate to hold me responsible for paying them for services after my disconnection! 
Thanks
Consumer complaint received 2024-09-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: DISCOVER BANK (KS)

Discover Bank home equity loan application started XX/XX/XXXX. I provided all requested documents in a timely manner. They said I needed to submit a quit claim deed, which I did. I waited for over week, then called to check status of the loan since they had not contacted me after I submitted requested qcd. Discover Banks processor then told me the qcd had to be recorded with the XXXX XXXX court. I got it recorded then sent them the notarized court recorded copy of the qcd on XXXX. I uploaded this to the doc file. I called and emailed the processor to advise it was there for them. They emailed me they had received it same day. Then on XXXX/XXXX the processor emailed me that they were going to order the title and quit claim deed from the court, even though they acknowledged having the recorded qcd on file. This loan is taking far too long to close. I'm on a specific court ordered time line to get funded so I can pay the ex spouse the required equity on my home. I have explained this to the lender, and explained that they needed to let me know if I am approved for the loan or not so that I would have enough time to apply elsewhere. But they continue with these weeks long delays without communicating why they are taking so long to make their decision in writing to me. I have had to call almost daily to find out what's going on. I believe this to be unfair lending practices and want them to be held accountable.
Consumer complaint received 2016-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (OH)

I have an unverified account from HWARFIELD. I had previously disputed this account. I have never done business with HWARFIELD. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that HWARFIELD Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that HWARFIELD Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2016-11-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

At this point I do not know who to hold responsible ; however, I 've worked extremely hard build my credit. My hard work only means something to me and not to the companies that I 've allowed to retain my earnings. I 'm upset and I 'll continue to escalate and complain until change is made with the unregulated credit reporting agencies. People who file bankruptcy have more of a fighting chance for additional credit than someone who 's spent the last few years making on time payments.
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IN)

In XXXX of XXXX, Nationstar Mortgage contacted me about requiring my property to have flood insurance based on XXXX updated maps. Knowing this was a mistake, I started into doing the research to get this corrected. In XXXX of XXXX, Nationstar Mortgage informed me that they have obtained flood coverage on my behalf and debited my escrow account. In the fall of XXXX, I obtained all the documentation to submit to XXXX for a Letter of Map Amendment. In XXXX of XXXX I received the Letter of Map Amendment removing my property from the flood plain. In XXXX of XXXX, Nationstar Mortgage released my obligation to have flood insurance. Nationstar refunded a prorated balance of the insurance premium. I should have been refunded the whole premium based on accompanying documents with the Letter of Map Amendment and XXXX Flood Insurance Program " Cancellation and Nullification '' document reason # XXXX. 

My request for full reimbursement of premium is based on XXXX 's document titled " Addition Information Regarding Letters Of Map Amendments '' provided in the XXXX cover letter doc. Paragraph XXXX of this document states : " If a lender releases a property owner from the flood insurance requirement, and the property owner decides to cancel the policy and seek a refund, the XXXX will refund the premium paid for the current policy year, provided that no claim is pending or has been paid on the policy during the current policy year. The property owner must provide a written waiver of the insurance requirement from the lender to the property insurance agent or company servicing his or her policy. The agent or company will then process the refund request. ''