davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I took out loans for XXXX school. As I approached graduation and in the first several months following ( between XXXX ), I spoke with XXXX XXXX, XXXX and XXXX  agents several times to ensure that all my loans qualified for for PSLF and that I had been entered into repayment as of XX/XX/XXXX ( first month after graduation ). I was assured several times that all my loans did indeed qualify and that I was in repayment with XXXX $ payments until XX/XX/XXXX. Subsequently my loans were transferred to Fedloan, where I continued to have regular contact with Customer service agents who again reassured me several times that all my loans were qualifying loans. Come to find out in XXXX during one of my frequent calls with Fedloan ( I literally called them 3 times a year, regularly, to ensure I was doing everything correctly ) that some of my loads did NOT qualify for PSLF. I was advised that I had to consolidate those loans and that prior payments wouldnt count toward PSLF. I had no choice but to do so. There was no outlet for further explanation or source of counseling. Despite my near constant communication with XXXX and Fedloan they had not once disclosed this information previously, despite being specifically asked several times. Its no surprise I guess since my loan servicer was transferred through 4 different servicers in those years from XXXX. So even though I was completely on top of it and knew what to ask and asked several customer service people regularly, no one ever gave me the correct information. As it was no fault of my own, these years of payments i made on those non-qualifying loans should be counted. And the companies involved should take responsibility for providing false information and lying to me. Furthermore, Fedloan has not counted several of payments I have made as qualifying payments. This is despite me asking for a recount for 1 year. Notably, I have been in automatic repayment every single month since I graduated in XX/XX/XXXX - meaning that they have had complete access to my bank account and that logically, there is absolutely zero reason that I would ever have a late or missed payment through any fault of my own. 
These loan servicers pray on young, ambitious and extremely busy people ( Im sure no one in their company understands what a 100 hour  work week feels like ). Their customer service agents give false information and have zero skin in the game. They have no incentive to provide accurate information - especially when my loans were constantly being transferred to different servicers ( 4 servicers in 2-4 years! ). They are criminal. Completely unethical and the worst part is that I have no option to be at their mercy.
Consumer complaint received 2020-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DIRECMANAGEMENT, INC. (GA)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2020-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX and TransUnion are fraudulent on my accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account
Consumer complaint received 2020-11-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America gave CD funds to wrong beneficiary. Bank will not allow me any information because my POA expired when my Mother passed away, but the CD was renamed to my Mothers Revocable Living Trust in 2009. 

After my Mothers passing, her Trust was not provided with CD funds. The Banker at B.O.A. would not provide me with any information regarding the CD even though I am the Trustee of the Trust!
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I recently submitted a claim about Transworld trying to collect a debt from me that I do not owe and knew nothing about. The case was closed without a response from me. The information Transworld showed to CFPB is the same information I have already received. My complaint with them is that they are not investigating my dispute but instead saying that I owe. I also reached out to XXXX to receive information but they said because this alleged bill is old and the information has been archived. I am asking Transworld what I for do they have of mines to say that this is my bill. They can not give me any information of when was this account established and how was it open. What information was submitted to establish service. A deed or lease? I dont want to be responsible for something that dont belong to me. I will also provide information on where I live at during this service date according to the invoice they are providing.
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (ID)

I am refinancing current 1st and 2nd mortgage. The process requires payoff statements. The 2nd mortgage is with Discover Home Loans. My lender for the refinance attempted on XX/XX/XXXX to obtain directly on their own. Discover would not release, which the lender stated this is a common problem with Discover. I called on XX/XX/XXXX and requested a fax and for it to be mailed. Have not received fax, which was promised within 48 hours and the mail is stated to take 7-10 days which also has not been received. Also attempted to obtain online but states it needs special handling. New lender contacted me on XXXX stating they have yet to receive. So, I call again to request. Confirmed prior fax but asked for a new number. Had to insist they fax rather than mail. They stated it would be provided within 20 minutes. It is now XXXX and still no receipt. This is the final item needed to proceed to issuing the closing disclosure. Closing is delayed and is now costing money as the refi is at a much lower rate. In aggregate, will save over {$500.00} per month. Feel for other borrowers that are being treating in this unacceptable manner.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Hello, there is an account with XXXX 'XXXX  ( XXXX ) that is on my credit report. I have been trying to fight this account for sometime because it is inaccurate. I am requesting this account be removed because I have not been provided proof that this account is mine. I have also not received any method of verification from the Experian credit bureau in response to my dispute. I feel that this is negligence and this account should be removed from Credit report immediately. I have already requested a dispute, and NOTHING was changed but an incorrect balance was updated. XXXX  has already deleted this account because it was deemed INACCURATE. I expect Experian to follow suit, or I will be faced to sue this company. This complaint is my final resort to allow them to rectify this situation. I am demanding this item be deleted or I am sent TRUE verification that this account is mine/as well as method of verification. I do NOT want a dispute, because I just had a dispute finished this week for the second time and this account still has not been removed. 

I am attaching a photo shot where it shows this account has been removed from XXXX.
Consumer complaint received 2020-09-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gatestone & Co. International Inc. (CT)

I contacted Gatestone, a company contracted by XXXX XXXX to collect debts, through phone ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and email ( XX/XX/XXXX, XX/XX/XXXX ) in an attempt to reinstate my credit cards from XXXX XXXX. I was ignored on every email contact attempt despite confirmation of the email address from phone representative contact on XX/XX/XXXX. I was able to reach my " account manager '' on two of these dates, and was spoken to rudely and briefly. I spoke with the first level of support on the other phone dates. I was informed by my account manager that since credit card 1 was cancelled and it was beyond 120 days since cancellation, my account could not be reinstated. I called and asked about reinstating card 2 since it was close to 60 days and was told by level one support that it wasn't  possible ( for reasons unknown ) but I have spoken with XXXX XXXX and they informed me Gatestone should be able to reinstate credit card 2. I am requesting that credit card 2 be reinstated.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One - XXXX is reporting erroneously on my credit file. I have called and sent in various letters to them stating that I am not an authorized user on this account and they need to remove it from my credit file. They refuse to. I do not have a contract with them or any type or agreement, I am just an authorized user and I actually never even had access to the account other than the authorized user title. I never made any transactions on this account, I never got a card for this account. I need this to be removed from my credit file. I AM NOT AN AUTHROIZED USER ON THIS ACCOUNT.
Consumer complaint received 2020-09-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I attempted to apply for employment and was denied due to 2 Chapter XXXX Bankruptcies on several of occasions. Those two Chapter XXXX Bankruptcies is somehow reporting on my credit report that should not be as I have never filed a Chapter XXXX Bankruptcy. Chapter XXXX bankruptcy - Dated Filed XX/XX/XXXX Chapter XXXX bankruptcy - Date Filed XX/XX/XXXX I have 2 Chapter XXXX Bankruptcy 's that is appearing on my credit report. I have never filed a Chapter XXXX Bankruptcy. I contacted the US Bankruptcy Court initially at XXXX and was told they didnt see any information about me in there court records and suggested I come down to their office. I went to the US Bankruptcy Court IL FED Bk CTXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX as instructed and spoke to a clerk by the name of XXXX XXXX and she indicated that she didn't see a bankruptcy and they dont report bankruptcies to the credit bureaus. I have send 6 letters over the period of 2 years to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they have not still responded to my letters as to where they got this information from and why they reported this inaccurate information. Please assist me in this manner.
Consumer complaint received 2020-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company (NJ)

The Debt Collector that I am filing this complaint is against Commercial Acceptance Co in the amount of {$290.00} I am writing this complaint because I am XXXX years old and I was a pedestrian in a hit and run. During this incident, I was rushed by ambulance to the hospital by the XXXX XXXX XXXX XXXX XXXX. When I spoke to the hospital as well as speaking to my attorney they said NJ XXXX is responsible for this not me and that all bills should be submitted to them. I saw this debt along with a hospital bill from another debt collector on my credit report from this incident that occurred on XX/XX/2017. The debt collector for the hospital bill handled the situation immediately. I explained it to them telling them that I was not responsible and they wiped off the debt no problem. This debt collection agency for the ambulance is horrible. I even said that I would have my attorney speak to them yet they refuse to give any information whatsoever to me or my attorney. They did say that it could possibly be written off but when I asked how they shut up immediately. The second time I asked them for the information as well as asking if they spoke to my attorney again they would not give me any information about the bill and they refused to talk to my attorney. They were rude and practically hung up on me when I was telling them that NJ XXXX was entirely responsible since they are the insurance that pays the bills for pedestrians involved in these situations who do not have auto insurance. My credit report is being ruined because of this debt due to me being a victim of a hit and run. I am XXXX years old, I broke my pelvis from this hit and run and my only source of income is Social Security. I shouldnt have to pay for this that the NJ XXXX insurance was supposed to cover. I even spoke to XXXX and XXXX even agreed with me. I also have tried to contact the XXXX XXXX XXXX XXXX XXXX and they never answer their phone so XXXX and I have no way to contact them to have them write the claim off directly. I have filed disputes on XXXX   and XXXX. I have also put in a dispute to the XXXX. Commercial Acceptance Co. is a money hungry and greedy company that is disgusting to go after a XXXX year old man who was hit by a car for {$290.00}. They said it could be written off but they just wont do it. They ruined my credit report and they are rude to me on the phone when I have tried to speak to them over a debt I am not responsible for and they refuse to let it go. My attorney, XXXX, and I all agree that I should not be held responsible for this charge! I want this written off and taken off my credit report because I need to take out a loan for medical expenses.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX has XXXX payday loans on my credit file with Experian as they stated in a letter there Experian now or the same company. I have not applied for no on line loan with XXXX or any other on line company or any pay day loan. XXXX XXXX XXXX XXXX is no more than fraud. I have file an complaint with the US attorney office as the justice department on Experian & XXXX XXXX XXXX for and by I'm on OPT out and Experian is using a another company to use deception with merges etc.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX Balance XXXX, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 
Item # 2 : I dispute XXXX Balance XXXX, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 
Item # 3 : I dispute I dispute XXXX Balance XXXX, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Item # 4 : I dispute this account XXXX  XXXX XXXX - XXXX, the balance is wrong and the account is being paid monthly. This account should never have any charge offs. If account is sold, the balance should be XXXX. I have also provided proof of payments on this account. If account has been written off as a loss and I have made payments they are breaking the FCR ACT. Please delete this account. 
Item # 5 : I dispute I dispute XXXX Balance XXXX, this account is sold or in collection and under the FCR Act this account has to show XXXX balance. Please delete account. 


The inquiries below is not mines. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX  Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2018-01-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

In XX/XX/XXXX, my grandmother and co-signer of my Navient loan passed away. Throughout the process of closing the estate, the lawyers we hired to complete the process never once mentioned or brought up the fact that, under the policies of Navient and the loan, they would call the loan in default and due in full. Sometime in XX/XX/XXXX, I received calls and letters from XXXX XXXX ( their deceased collection agency. ) During this time, which did n't make any sense, Navient finally contacted me, in which I was at work and unable to field the phone call. I, over the course of the next few weeks, attempted to contact the representative who was 'in charge ' of my account. On a number of occasions, I tried to just speak with anyone but no one could help, as I was told I had to speak with my 'case manager. ' Finally, after speaking with the 'manager ' of my case, she informed me that I had 3 choices. 1 ) Pay the account off in full. 2 ) Find another co-signer ( something I 'm not willing to do, considering this possible outcome. ) 3 ) Find another company to lend me the money to pay it off. In my opinion, this can perceived as 'predatory ' collection practices. I 'm a customer of Navients, whom pays their bill every month. Admittedly, I had some repayment options early on, but I 've corrected those issues and now how a steady flow of income and have made payments every month since XX/XX/XXXX, which they 're unwilling to consider. After pleading with Navient to release the loan to me, without a co-signer, I was unsuccessful. I 've been 'cornered ' into a lose-lose scenario, which to me, does n't have a benefit to Navient, other than collecting the full-balance ( losing all of the potential interest ) or forcing another co-signer, and me, in to this very precarious situation. In addition, their essentially holding my grandmothers estate ransom, until a resolution that best works for them has been completed.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I 've asked this company to verify or provide paperwork of my payment history in which that refused to make my payment on time. This company sent and reported wrong information to the Three Credit reporting  bureaus. They reported that XXXX I had made no payment until XX/XX/XXXX, until XX/XX/XXXX and totally stop. This company use the MPN for 4yrs to their advantage ; then when the Promissory note came to expired they defaulted my account and sent it back to XXXX XXXX XXXX. This is breaking the law and abusing and using government funding.
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

I opened a XXXX XXXX account on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah XXXX. XXXX. I fell behind in XX/XX/XXXX. Total amount was {$2500.00}. Fast forward to XX/XX/XXXX. I contacted XXXX XXXX regarding account # XXXX. We entered a settlement agreement amount of {$2000.00}, which was paid in two installments of {$340.00} and a final payment of {$1700.00} on XX/XX/XXXX. XXXX XXXX is reporting now that I owe an additional {$880.00}. No I do n't. The new agreement/covenant superceded the old agreement and the account is paid in full as agreed with a XXXX balance. I would like the credit bureaus to report same or delete the line item in it 's entirety. Thank you.
Consumer complaint received 2015-10-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

They keep charging me over draft fee and matiences fee when I use my account for direct deposit told them I lost my card but still charge my account then say wellyou cant close it because of a balances well you have to pay it. instead of crediting all my money they credit what they think I should have.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: MILEND, INC. (PA)

I wanted to refinance my condo. I was contacted by MiLend Phone number XXXX they are located at XXXX XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX My contact name is XXXX.After weeks of supplying documents and paying for an appraisal, I was refused the loan. 
The grounds were I did n't live In my condo? And. this condo they say is an investment property and they could offer an investment mortgage at a percentage point higher. I needed to prove I live there. I provided proof from the borough showing no rental occupancy, from my voter registration card showing I lived in this condo, from my tax return showing the mortgage payments and interest were takien off my tax return as a personal home. I do not think it is fair that I was refused the loan After providing so much proof I live there. 
My credit scores are in the low XXXX He should n't of had me pay an appraisal fee first.