davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (GA)

I was misled while enrolled at the University XXXX XXXX to think after obtaining a degree that they would help with job placement. I remember a guy named XXXX XXXX being my enrollment advisor, but work in my field never came. I've taken odd jobs to try and pay off the debt, but it never seems to go away. I've tried applying to jobs without listing XXXX   as a college I've attended and gotten interviews. I've been told my job recruiters that they don't see a degree from XXXX as being valid. I was told while enrolled my 4 year degree was going to cost about XXXX. I later on found out that after interest it's about XXXX owed. I was tricked into signing a promissory note with my advisors at the XXXX. I was told that financial aid was accepted and because I had credits from XXXX XXXX that they'd do the legwork for me in having those classes transferred over. It wasn't until later that I found out that was a lie and regardless if I quit or continued classes I'd still owe XXXX in full. Young and afraid with not much help from anyone to guide me I believed my advisor at XXXX. Not until recently I've researched the XXXX and read alot about other student 's dissatisfaction while enrolled and possible lawsuits. I'm just looking to have my loan discharged because they failed to land me a job after finishing my course and they failed to educate me at XXXX years of age on what a promissory note was.
Consumer complaint received 2017-03-03
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Prosper Marketplace, Inc. (NC)

I provided all of my personal info and was told that I was preapproved for the loan. I then applied and provided all of the required documents. I was told it would be a few days before i heard something. A week later I called to inquire and was told it was n't a problem. Another week pass and I was call and asked some questions. After that my account was close and I was denied the loan by email and could not log into my account for an explanation.
Consumer complaint received 2020-01-14
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. (DC)

On my credit report that are reporting inaccurate information and keep refused to do a investigation regarding my request. I have contact the creditor that no longer hold the account and they are saying that provided them accurate information and I requested to see the result of the investigation in which they gathered the information and they refused. I would like for them to remove all XXXX and Dept of Education collections account they not longer has my account as XX/XX/2014. Therefore, They can not be sending information regarding status of my loan to the credit bureaus. Also, I asked them to validate the account that listed by XXXX XXXX and asked if they can provide me proof that this account belongs to me and they keep ignoring my request and continues to report the information as being accurate. I would like to see the proof of this investigation as well but they refused to provide me the information.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GA)

Hi there. I have an account with citi bank it is overdrawn and past due. I've reached out to Citi to come to a settlement agreement or have a minimum payment. They have told me that I have to pay the full balance. I haven't received a statement in 3 months. Now unfortunately I checked my credit and noticed that citi has reported that I MISSED a payment of {$48.00}. Had they told me or issue my statement showing that my minimum the minimum is {$48.00} I would've been able to cover this cost. Which is what I've been asking for. I even tried finding out my minimum on the app and it displays the same information they've given over the phone. 
They have reported information to my credit that was not reported to me. How can I make a minimum if I'm unaware of what it is. At all time they were trying to get the full balance all at once.
Consumer complaint received 2020-01-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/XXXX, I received a letter from Sun Trust advising me that a hold had been placed on the new account that I had opened online because the amount of the check submitted was very high and it is their policy to put a hold on it. On XX/XX/XXXX, I went to the local Sun Trust branch to alert them that I had not opened this account and that someone was using my identity to open the account. A lady named XXXX ( at the bank ) alerted the Sun Trust fraud department ; she assured me it would be taken care of. 
Since that day, I have continued to receive communication from Sun Trust telling me that a fee of {$12.00} has been placed on the account because of the fraudulent check submitted when opening the account. I have spoken with Sun Trust five times about this issue and I am continually told that it is being taken care of ; however, the letters still come. The notice sent to me dated XX/XX/XXXX, contains a threat that if I do not pay the XXXX fee, they may report this to check reporting agencies which may impact my relationship with other banks. My credit is excellent and Sun Trust bank is threatening that. I have included communication I have received from Sun Trust. You will see they are ignoring the reality of identity fraud.
Consumer complaint received 2020-01-13
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: Mr. Cooper Group Inc. (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-13
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. (FL)

In XX/XX/2019 I stopped payment on a {$15000.00} loan, which was through XXXX XXXX XXXX XXXX  - the monthly amount, {$400.00}. I did this for two reasons : I was out of work and couldn't pay the loan, and secondly, I had been scammed. Part of the loan was to pay XXXX XXXX and XXXX XXXX, via XXXX XXXX XXXX, XXXX, {$13000.00}. The remaining balance of the loan was to pay for leads to build an income. Nothing came of it. 

I am filing this complaint because I want my credit score restored. Per my discussions with representatives from XXXX XXXX XXXX XXXX, they can do nothing to clarify why I stopped payment. They can only report that I stopped making payments on the loan. They are fully aware of the lawsuits and my requests, via an attorney, to be reimbursed.
Consumer complaint received 2017-02-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO. (NY)

Hello, my name is XXXX XXXX. I financed a car with XXXX motors and in 2015 I ran into some financial problems due to a loss in the family. I could n't afford the car anymore went late on XXXX payments and they decided to charge off the loan. I immediately sold the car and had the debt settled I really did not want my credit to get worse. But the charge off is still in my credit history is there anyway it could be removed? 

Thank you for your time XXXX bless
Consumer complaint received 2016-10-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (VA)

My loan was with Honda Financial Services. My car was totaled after only 2 months. It was a new car with about XXXX miles. XXXX paid off most of the loan. I had Gap insurance as well. Honda dealership processed my paperwork for the Gap Loan and faxed all documents to the Gap Loan insurance company. Honda kept harassing me for the remainder of the payment after they received most of the money from XXXX and all warranties were repaid. Gap was the only remaining money owed to Honda. I had a legal contract with the Gap company. The Gap company was the responsible party for paying Honda, not me. The Gap company did not pay for months, stalling the process. Then, XXXX XXXX XXXX only paid Honda a portion of the remaining amount owed. I was harassed by Honda to pay the remainder of the Gap payment for months. I told Honda many times that I was not the responsible party any longer and that I had a legal contract with the Gap Company. Honda financial Services threatened my credit.Now, the remaining funds owed to Honda are on my credit and and I have a low credit score and can not finance a new car. I have bought XXXX Hondas in the last six years and paid every month on time. My payment history is perfect. I believe this is a form of extortion when companies demand payment that a customer does not owe legally. The company can threaten your credit and then customers may pay bills that are nor legally theirs just to keep negative information off their credit reports. I have paid entities in the past when threatened. But this time, I will not pay Honda money that I do not owe them. I have a legal contract that states that I am covered by Gap Insurance. Credit bureaus should not accept inaccurate information. All negative information on credit reports should have to be authenticated. Credit Bureaus are also at fault for providing a medium that will ruin a consumer by any unethical company or entity that has the inclination to threaten consumers. Consumers have no where to turn to stop this illegal practice. The government should take action in this matter in order to protect consumers from the illegal practices that effects an individual 's credit for years. 

My identity has been stolen two times by XXXX different people. I have been through a nightmare with no help from the credit bureaus. I am in my XXXX nightmare now. I vowed to never use credit after my identity was stolen. I will not be a victim of the thieves and the credit bureaus. I have not had a credit card since the 1990 's. I pay cash for everything or I do n't buy it, except cars, unfortunately. I assume this is another medium disguised as a genuine place to voice complaints that go no where.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I have been a customer of this company for a while never missed any payments I recently was hospitalized due to XXXX  my XXXX   and called the company to make a payment plan and use my protection plan to cover my bill. This started XX/XX/2019, I was advised that I was protected and that due to paying for the protection plan they will cover the cost and to maintain my account and that it will report positively still to the bureaus. I recently got an alert the company posted late payments after telling me that i was covered defaming my character.
Consumer complaint received 2016-05-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (ID)

Southwest credit XXXX are still hurting my credit even though I already paid it off and it 's been four months. I want this to get fix ASAP because it 's holding me back on purchasing necessities in my life.
Consumer complaint received 2017-03-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CT)

I lived at the XXXX run by XXXX who happens to have tons of complaints for fraud. I am a civil rights activist, so I found out the XXXX female managers were guilty of XXXX because they were inflating water bills. They created a formula for XXXX apartments which was illegal. They billed you for water, according to the amount of people living in your apartment. For me it was, XXXX adult with XXXX kids. In writing they assured me my water bill would be {$40.00} per month. My neighbors had XXXX adults and XXXX kids paying {$50.00} per month. I received outrageous bills for {$120.00} per month. I complained to the XXXX. State Attorney General, the Town of Farmington and then went to many apartments and found out women and minorities were billed higher than white residents. I decided to move and the neighbor next door got angry and started harassing my children, XXXX child threatened to choke and XXXX my XXXX year old son. XXXX and XXXX incited a feud with white trash, so I was forced to move. Police reports were filed. The XXXX passive aggressive managers fabricated a bill after I moved. We videotaped and took pictures after cleaning. We ended up in Court because the XXXX managers wanted to create an incident. In Court, I testified I paid my rent on time the entire time we lived there and told the Judge the reason they retaliated was because of my discrimination complaints. The company who billed me for water said, XXXX told them I had XXXX people living in my apartment and this is why my bill was so high. He said she gave them all the numbers inflating the water bills. We found tons of complaints supporting their fraud and malfeasance. They have refused to validate the DEBT. I would like this removed. We are using social media and XXXX to ensure the Public is aware of their malfeasant behavior. The maintenance man XXXX said, the culture at XXXX is ruthless. They have meetings were they encourage managers to look for new ways to bill residents for anything they can think of. The turn around of tenants according to the Town Manager is he highest in XXXX, CT. Please investigate this company and remove this fraud off all my credit reports. Thank you and best regards. XXXX
Consumer complaint received 2019-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CT)

The below complaint was submitted on XX/XX/25 under complaint ID XXXX, with no reply from Wells Fargo. Another mediation request was made recently, no reply. Prior mediation requests were made, denied stating a check was sent which was not received. 

Several mediation requests were mailed in to Wells Fargo, a total of four packets received, three filled out and sent in requesting a refund in the amount of {$610.00} in overdraft fees. The fees in question are a result of high pressure sales tactics by Wells Fargo reps to open accounts I did not need, with the presumption they were to be used for bill pay. A settlement amount was offered, agreed upon, no payment received. The amount, {$3700.00} was offered by an XXXX XXXX with Wells Fargo after speaking on the phone. Since no payment was received, additional CFPB complaints were filed requesting a refund of {$610.00}, this amount was shown on statements received showing a total of {$870.00} in overdraft fees ... Small refund amounts of {$85.00}, {$50.00}, {$120.00} were received prior and are reflected in my claim for {$610.00}. Most recently, a denial letter was received from mediation, citing a settlement check was cashed when it was not received by myself..When the settlement was accepted, I requested a hard copy of it from XXXX, she said she could do not do that.. I believe Wells Fargo is trying to hide their shady practices which respect to opening accounts to boost profits and charge fees to those accounts by offering a fake settlement as they would not put it in writing and have denied payment.. I am back to requesting a refund of overdraft fees which I total in the amount of {$610.00}, since no payment was received. This information will be sent along to attorneys investigating Wells Fargo as well as other financial institutions for their practice of charging overdraft fees. In closing, please advise Wells Fargo I will post my experience on several consumer rating sites to expose their shady tactics
Consumer complaint received 2019-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NJ)

I had a Chase checking account, there was fraud on the account and the account was compromised ( there was one fraudulent check written and two check books ordered ). Chase immediately closed my account and I was unable to ever access the account again. They sent me payment for the closed accounts value and fraudulent check but I never received the {$83.00} for the two check books that were ordered. I have filed numerous complaints in branch and called customer service many times on this. Was told an {$83.00} check was being sent to me but I never received it. This has been going on for four months now with 8+ calls made to customer service regarding this issue.
Consumer complaint received 2019-11-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (NJ)

In XX/XX/2019, my savings account was froze due to deposits and the bank wanted to know why I'm withdrawing my own funds from my account. The bank spoke to my relative about the deposit and she confirmed however the bank have yet to release my funds that are in the account. It's about to be 7 months and this bank have not informed me that they will close the account and mail me a check for my remaining funds.
Consumer complaint received 2019-11-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (MD)

I am a co-signer on two Student Loans for my daughter with Sallie Mae. The first loan was not a problem, as we signed up for Deferred Payments. I did the same thing on the second loan and they started to charge Interest only on the second loan. I have not been able to have anyone at Sallie Mae provide me with the documentation from both loans to compare where I signed up for the Interest only loan vs the Deferred payments. 

I know I did not sign up for Interest Only loan payments while she is still in school and as a matter of fact, tow months ago, they sent a letter saying they were going to start charging her Interest and Principle on the loan while she is still enrolled in school. I have done some background research on Sallie Mae and now see that have a terrible reputation with student loans, the terms associated with the loan, providing clear information on the repayment terms and giving conflicting details on what the loan terms are and which category they are in. I truly believe this organization 's less than stellar process of verifying information and making things clear has lead to their terrible situation. 

We are not looking for loan forgiveness, but to make it right as far as the payback terms. I want the information to reflect the loan should be Deferred Payments until my daughter finishes college.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (TX)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2023-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-11-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

On XX/XX/XXXX I received an email from lender saying my property tax had been paid in the amount of {$1100.00} to XXXX County, NC. I had received a tax bill from XXXX County several weeks earlier in the amount ( s ) {$620.00} ( if paid by XX/XX/XXXX ) or {$640.00} ( if paid by ( XX/XX/XXXX ). The lower amount was due to property tax relief my wife and I were approved for due to my senior citizen eligibility ( we have approval letter as well ). I contacted lender and sent them revised tax bill. I also contacted XXXX County tax office and was told any overage received would be returned to lender. When taxes still showing unpaid in XX/XX/XXXX, I contacted lender again. I was given information about a parcel ID number to which taxes were applied which did not match parcel ID on my tax bill. I called XXXX County tax office with this information and was initially told this was a tax exempt property and paid taxes should be returned to lender. As now three months had passed since problem noted, I contacted lender again and was assigned an " Escalation Agent '' in " Escalation/Help Team '' ( XXXX XXXX - ( XXXX ) XXXX is her direct contact number ). She told me she would be the person contacting me with updates. On XX/XX/XXXX I received an email from her indicating the parcel ID number where my tax escrow payment was misapplied and given a name on that account. I called XXXX County tax office with that information and payment in the amount of {$1100.00} to wrong account was verified. My taxes remain unpaid and I was told lender would have to handle misapplication but I was still responsible for property taxes due. I contacted lender again and requested immediate payment of my property taxes and fund put back in my escrow account in the amount of {$1100.00}. I advised lender I would reduce upcoming mortgage payment amounts until this amount was credited if not done so immediately. Lender agent reply was my taxes would remain unpaid until they were able to obtain reimbursement for improper payment and no funds would be returned to my escrow until that time as well. I was further advised that parcel ID error was the result of original lender providing wrong information ( my  current lender took over servicing late XX/XX/XXXX ). As of this date ( XX/XX/XXXX ) issue not resolved and taxes unpaid. It is my contention that escrow funds from my account misapplied/misuses in violation of Federal Mortgage Regulations.