davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MD)

I was let go from my job today XX/XX/XXXX and I reached out to AES and they stated there was nothing they can do to help me. 

Im struggling here because I already filed bankruptcy in XX/XX/XXXX due to having over $ 232k in student loans and I got upside down using credit cards to make loan payments. 

My student loans were not discharged or lowered and Im not in that same position. 

Its sad. I have tried to work with AES so much but, they are impossible. Multiple emails, live chats and calls and same thing - they can not do anything. My salary made it look like I could afford it but, with $ XXXX in student loans l, $ XXXX in cc, a car payment, rent and medical bills. Im hurting - bad. Now losing my job Im terrified. 

I did put a borrower defense claim in for my grad school loans with XXXX XXXX because of false advertising, misleading info and not transferring credits, etc. then I have mother private loan with XXXX XXXX but they are working with me nicely. 

XXXX : XXXX XX/XX/XXXX-XX/XX/XXXX and XXXX XXXX XX/XX/XXXX-XX/XX/XXXX Grad : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX AES ID : XXXX XXXX XXXX ID : XXXX XXXX XXXX  ID : XXXX
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

After the Equifax data breech, I submitted a credit freeze request for my XXXX children 's accounts with all of the required information to the 3 major credit bureaus. This request was mailed on XX/XX/XXXX. Both XXXX and XXXX confirmed receipt of the information and subsequently placed a freeze on my XXXX children 's accounts. Not surprisingly, Equifax claims that they have n't received any information. Hence, not only did Equifax compromise my personal data, they have lost and comprised my XXXX minor children 's birth certificates, social security numbers and my driver 's license information. This company is literally giving away American 's  personal information. I feel violated and betrayed.
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (SC)

I had refinanced my mortgage with PNC bankXX/XX/XXXX {$1800.00} was posted to my escrow account and everything was fine in XX/XX/XXXX PNC deducted {$1400.00} with no warning or explanation I called them and asked why they could n't tell me and would have somebody call me back a XXXX XXXX XXXX XXXX eventually called me back in XX/XX/XXXX but could not give me an explanation to why this amount was taken and would call me back its now XX/XX/XXXX still no call back PNC since then have made other major errors one being mailing XXXX XXXX ( my insurance company ) a check in the amount of {$2900.00} from my escrow account my escrow account now shows I am in a minus XXXX XXXX did call me and said they 'd returned the funds to PNC bank but it does n't show as a credit on my statement I feel PNC bank are a very un professional but what can I do they seem to be able to do what they want its a disgrace
Consumer complaint received 2017-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted several written requests to TransUnion Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this fraudulent information on my report. They have consistently ignored my request for proof and stated that the items were " verified ''. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.
Consumer complaint received 2017-11-14
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: Experian Information Solutions Inc. (TX)

I have submitted several written requests to Experian Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this fraudulent information on my report. They have consistently ignored my request for proof and stated that the items were " verified ''. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.
Consumer complaint received 2017-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I made a deposit a check into my account at Bank of America, the check is drawing from the same bank. That was on Saturday 1XX/XX/XXXX. Normally it is available the next buisness day except this time costumer service at Bank of America informed me on Monday the XX/XX/XXXX that it will be held till the XX/XX/XXXX and I know from the person that that paid me the check the amount was taking from his account on the XX/XX/XXXX.  Bank of America makes rules as they see fit their bottom line, their employees are useless and can not justify their time when they take a call with knowledge of any aspect of customers complaints
Consumer complaint received 2017-11-14
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am a victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. 

Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2017-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter Business Service, Inc. (FL)

This " debt '' is regarding a simple XXXX performed by a doctor in XXXX on XX/XX/XXXX. The test usually cost between {$200.00} and {$400.00} ( market rate ) and with an insurance plan discounts it usually costs between {$100.00} to {$150.00}. This doctor billed {$2900.00} for the simple test which was reduced to {$1900.00} with plan discounts, but still a mysteriously large bill. I asked for details and was stonewalled, but eventually after a lot of calls and paperwork got the itemized bill. The doctor billed it through XXXX XXXX XXXX as a hospital visit, even though it was an ordinary office visit. Moreover, duplicated charges by the doctor, the hospital, and another doctor were billed for the same items ( billing codes ). 
I paid both the doctor 's bill promptly, but I disputed the hospital bill because it simply was not a hospital visit. The hospital refused to acknowledge the dispute and simply started sending me the same bill repetedly, threatening to turn it over to collections. I asked detailed questions on how they coud charge ten times what it normally costs. I was again stonewalled. The bill was turned over in XX/XX/XXXX to a debt collection agency, XXXX XXXX XXXX in Massachusetts that specializes in medical debt. 

I am flabbergasted as to how a hospital can simply send a massive bill and then turn it over to collections despite an outstanding dispute.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

DISCOVER BANK XXXX, DISCOVER BANK XXXX
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I bought a house in XXXX 2017. Within 3 months I started shopping for a refinance mortgage company to re finance my home. form XXXX to present date I have contacted at least 17 mortgage companies with no success in refinancing m home. Each time I contact a mortgage company all 3 credit bureaus are list them as hard hit. Another inquiry is added to my already my already spiraling downward credit report. I was made aware of the info that CFPB has relating to Mortgage Bureau 's protocol within the Credit Bureaus Reporting practices on Mortgage inquires. The article says and i quote " You can shop around and get multiple preapprovals and official loan estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45 day window is over. Shopping around is still worth it. The impact of an addtional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. ''
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MD)

COMENITYCAPITALBANK/XXXX # XXXX XXXX XXXX XXXX XXXX , OH XXXX Date Opened:XX/XX/2017 An  account was opened in the above company under my name and with my information, a charge of under {$50.00} for a pair of shoe ( that show up on my front door ) The pair of shoes was returned with enclosed label on box, I did n't opened the account or ordered the pair of shoes, my husband was at the hospital at that time. 
COMENITYCAPITALBANK/XXXX has me as a delinquent for about {$130.00} I called several times and requested the account closed and all late fees reversed because I explained that I did n't do the purchase. 
This is an scam to get fees. 
Please help me to stright this out. If you go online you will see the all the reviews for this company, this is their modus operandi. 

Thank you XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I received a letter dated XX/XX/XXXX from Ocwen Loan Servicing, LLC which stated : " A recent review of the above referenced loan determined the attached Step Rate notification may not have been received. We are sending this to ensure a copy is available for your records .... '' The notice stated that my rate was increasing from 2 % to 3 % and that my payment was going to increase on XX/XX/XXXX. My monthly payment increased {$1100.00} and I was given less than 30 days notice and his has placed exceptional hardship on me. 

Two days later, XX/XX/XXXX, Ocwen issued another letter telling me that I owed {$10000.00} in undercharged interest. 

I called the lender Friday XX/XX/XXXX to ask the lender to explain and was that he would put a request in to the " research team '' and that I would be notified by email or writing in between 10 to 30 days. When asked why my monthly statements never showed the increase and he could not give me a good answer other than there was an audit of some kind. I asked him why I was given almost no notice and he said that it was all something I should have known as it was a scheduled rate increase according to my loan modification. 

He offered me no other explanation or resolution other than to reapply for a loan modification. I will start the process however, I really would appreciate some advice. I noticed that according to law, the lender has an obligation to give the consumer appropriate notice as to a payment increase. Since this was never done, do I have any recourse? 

Please help! 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

An account has repeatedly been updated as a Charge offs/Closed every month 15 usc 1692g , 15 usc 1681c-2 , to my understanding charge offs accounts should Not include an active payment history, falsely manipulates the statute of limitations. 

I Requested 1099c from XXXX XXXX, XXXX, Macy 's and XXXX XXXX XXXX. 

I making a payment on the charge offs, they took a tax relieve from the federal government, it looks like fraud is committed
Consumer complaint received 2017-11-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KY)

I was not informed that the loan required that I start making payments immediately while in school. Now that school is complete I have a total payment that is twice the amount I originally borrowed. How is it possible to have more interest than the original amount borrowed? I have tried to work with navient but with no success. Can not afford to pay more in interest than originally borrowed.
Consumer complaint received 2017-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (LA)

This complaint involves two things. The options would only let me choose one at a time.
I received a letter on XXXX XXXX 2017 from FBCS , Inc. in an attempt to collect a debt. My first complaint is that the debt is not valid. I ordered a XXXX  Scanner online years ago. However, I returned it soon after I got it. I decided I did not need it. A few months later, the XXXX company started contacting me about the payment for the product. I communicated to them that I had returned it months ago. They acknowledged it must have been an oversight on their part, apologized and I have n't heard from them since. I thought it was over and done with, until I received a letter from FBCS, Inc. on XXXX XXXX 2017. The letter is attached. I responded to them in writing and explained that I returned the product years ago. It 's been nearly 10 or so years. My letter is also attached.
My second complaint is that after receiving a letter from FBCS , Inc. and responding to FBCS , Inc. in writing, I have received a response letter from XXXX XXXX XXXX XXXX. thanking me for my inquiry, but informing me that I need to contact FBCS, Inc. from now on because the account has been forwarded to them. That letter is attached as well. I 'm inclined to believe that this is a " run around '' tactic to avoid actually clarifying or responding properly to my response letter, not to rectify it. I never sent anything to XXXX XXXX XXXX XXXX I only sent a letter to FBCS , Inc. and now XXXX is sending me a letter to contact FBCS, Inc. going forward. This is deceptive and inappropriate practice.
Consumer complaint received 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

On XXXX XXXX, XXXX, I initiated a refinance application via the usaa.com with USAA. I have banked with USAA for approximately 10 years. I have all my banking and car/home insurance with USAA. I wanted to refinance my existing loan with XXXX XXXX to apply for greater discounts and to consolidate my credit card debt into my mortgage for a more manageable payment. I owe approximately {$86000.00} on my home and it was appraised by the contracted USAA appraiser for {$160000.00}. I was going to refinance for {$120000.00} which is 73.8 % of the value and well within the normal range to request a refinance. After spending over an hour on the phone with the Mortgage pre-qualification, I was emailed several documents to e-sign. I signed everything and was then handed off to XXXX XXXX on XXXX XXXX, XXXX. 

For the following 18 days, I was repeatedly harassed with requests to provide narratives, documentation of income, and then more documentation supporting my narratives. I provided an unofficial transcript to prove my time taking classes 2 years ago, I was asked for my monthly income from 2 years ago, I was asked for a copy of a lease I had, on and on even questioning my daily commute to work, until I finally gave up and requested that the application cancelled on XXXX XXXX, XXXX. XXXX again ignored this request and assured me that the underwriters boss and his boss were now reviewing my loan application, but that they again needed additional income verification! I responded that if I had additional income that he/she would have known because I would have provided it several weeks ago at the initial request. 

Towards the end of the 18 days of harassing gotcha inquiries and prior to requesting the application cancelled, I had requested of XXXX XXXX to refinance through HARP and each request was ignored like I had not even mentioned. I complied with every request for 18 days, until the " underwriter '' asked again for additional income verification! The requests were so ridiculous and frustrating that I can only assume the Mortgage division uses this tactic to underhandedly discriminate against single females without a dual income. I have a good credit rating, never been late on any payments and as mentioned, have {$82000.00} of equity in my home. I 've lived in my home for 10 years. I make over $ XXXX, which is more than enough to manage a {$120000.00} mortgage. 

I refinanced my house through HARP to a XXXX mortgage in XXXX so I know the process to refinance is not as grueling as USAA 's mortgage division imposed. The refinance I did in XXXX was closed in a matter of weeks and NONE of my statements were scoured for dishonesty. 

I have all of the supporting emails for my claim of gender and income discrimination in Mortgage Lending against USAA.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I bought a house in XXXX 2017. Within 3 months I started shopping for a refinance mortgage company to re finance my home. form XXXX to present date I have contacted at least 17 mortgage companies with no success in refinancing m home. Each time I contact a mortgage company all 3 credit bureaus are list them as hard hit. Another inquiry is added to my already my already spiraling downward credit report. I was made aware of the info that CFPB has relating to Mortgage Bureau 's protocol within the Credit Bureaus Reporting practices on Mortgage inquires. The article says and i quote " You can shop around and get multiple preapprovals and official loan estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45 day window is over. Shopping around is still worth it. The impact of an addtional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. ''
Consumer complaint received 2017-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (MA)

WENT TO EMERGENCY ROOM XXXX XXXX, XXXX HAD HEALTH INSURANCE COVERAGE FROM 2 SOURCES XXXX XXXX XXXX THRU EMPLOYER AND XXXX XXXX THRU STATE PHYSICIAN FAILED TO FILE A CLAIM FOR PAYMENT IN A TIMELY MANNER AS STIPULATED ON THE HEALTH INSURANCE CONTRACT AND FAILED TO FILE AN APPEAL FOR SUBMITTING CLAIM LATE. NOW IT IS IN COLLECTION IN THE AMOUNT OF XXXX AND HAS DRASTICALLY IMPACTED MY CREDIT SCORE
Consumer complaint received 2017-11-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc. (FL)

went into advnace america XXXX XXXX XXXX in XXXX XXXX  on Friday XX/XX/XXXX to recieve a loan for XXXX to pay an insurance bills, i was between jobs, and collecting unemployment. 

I started work on XXXX/XXXX/XXXX They gave me the loan and charged me a service fee of XXXX when I recieved my first paycheck on XXXX. I came into that location and paid a young boy with cash, who gave me a reciept. 

About three months later, I was being inundated with calls. sometimes twice a day about 15 calls a week every day. I never returned the calls because I had a reciept I blocked them. 

Today I looked into my account and saw that they over drew my account for XXXX I called XXXX XXXX, filed a fraud claim, and had the charges reversed, I revoked the ach authorization and had to close down my account. 

When I called this location they had me blocked. and when i called from another number they hung up on me. 

I am filing a criminal complaint on this location.
Consumer complaint received 2017-11-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (WA)

On XXXX/XXXX/XXXX I made a payment to XXXX XXXX. This mortgage was then sold to XXXX XXXX mortgage company on XXXX/XXXX/XXXX. XXXX XXXX does not show that I made a payment on XXXX/XXXX/XXXX, the payment has not be reflected onto my mortgage balance. I have attached my bank statement showing the payment made as well as a statement from XXXX XXXX showing that the payment was received. XXXX XXXX is saying that XXXX XXXX never forwarded them the payment. I have reached out to both XXXX XXXX and XXXX XXXX several times over the last two months and have not gotten any response.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (PA)

Did not give XXXX XXXX  XXXX  in XXXX XXXX  permission to do a hard inquiry on my credit because I declined the loan offer So there shouldnt have been an inquiry done