davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (GA)

I am currently unemployed because the college where I taught full-time closed it 's doors! Before this time, the Federal Loan servicing company consolidated my loans, rehabilitated my loans, and removed me from the offset list. However, before such time, I paid my student loans back in XXXX ways while I was in default. The first way that I paid back my loans was through an agreement with the XXXX XXXX XXXX who was a vendor/collector for the XXXX. I agreed for them to withdraw {$170.00} per month from my checking account for at least XXXX years. In addition, the offset list was intercepting my tax returns for about XXXX more years and applying those monies towards my defaulted student loan debts. The problem with that reality is the Federal Loan Servicing corporation have not credited my student loan account for what amounts to XXXX of thousands of dollars that I paid. I want for every payment to be credited to my student loan account, and for my payments to be reduced due to my current financial hardship. I need to be able to pay back my loans based upon my current income, as I want to remain in good standing but I also want to be given credit for the monies that I have already paid and what already was applied to my student loans through tax offsets.
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

How many times do I have to tell the special people at Equifax that I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX, that IS A LAWYERS OFFICE AND NOT RESEDENTIAL. That proves right there that XXXX XXXX XXXX account is not mine. Also, I was told on XXXX XXXX that nothing was ever reported to you, more holes are opening in your story then there are holes in city streets. I also want to know why XXXX XXXX XXXX told me the account was closed in XX/XX/XXXX and you said XX/XX/XXXX, how are you people allowed to even be in this business? Next, as of XXXX XXXX, XXXX XXXX has told me they never communicated with you, funny how they will verify information to you and not me. Next, XXXX XXXX XXXX should have never and should never be reported as it is not mine and was discharged in settlement. Lastly, XXXX XXXX XXXX has informed me that they have requested their information be removed from my report due to a pending lawsuit against their client that they did not want to be involved with so why is Equifax keeping them up there. I want to repeat this one point again, I HAVE NEVER LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX, THAT IS A LAWYERS OFFICE AND NOT ZONED RESIDENTIAL!!!!
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I received additional documentation yesterday to support my previous dispute. I went onto experian website to upload the letters I received from the bank for my XXXX and XXXX credit card. The letter is date XXXX/XXXX/16 and is stating that the accounts were not paid late and the dergatory remarks to be removed and these XXXX accounts be listed in accounts in good standing on my credit report. I tried numerous times to upload the letters in support of my dispute and experian will not allow me to do so. I do know XXXX bank is going to contact experian and also submit the letter advising them to correct the incorrect information however I have been disputing this for months now and finally I substantial proof stating very clear that the accounts are not reporting correctly. Now experian tells me to send in the information. Here goes more of my time in making copies etc. I have spent numerous hours on the phone and time with this situation. I am complaining because this incorrect information is causing me a hardship in obtaining credit for a auto loan. Experian is very difficult. I do not understand why they will not let me re-dispute information again either. I was told they already disputed it and I am not able to re-dispute it again. Well this is unheard of as there are things reporting on there incorrectly and as I mentioned before it is causing me a hardship in obtaining credit.
Consumer complaint received 2016-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (SD)

I Have provided proof in writing of XXXX XXXX dollars that was consolidated. proof!!! I have never been to a XXXX in my life. I need this handled. And there is absolutely no papers on that loan either ; I have proof of the XXXX XXXX not XXXX XXXX ; what is wrong with you people.
Consumer complaint received 2016-06-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION (CA)

Attended the now-shutting down XXXX XXXX in XXXX, CA. During my time as a XXXX, I had a car accident and had to leave before my finale year. Upon returning, my federal loans through XXXX seemingly split with Sallie Mae who was now handling them, but these turned out to be private loans. Now, my grandfather ( who co-signed with me ) are paying my XXXX XXXX private loans month-to-month and XXXX says I do n't have to pay until I find work, which I 'm not finding anywhere across the state of California, and Sallie Mae is calling us daily with robocalls to harass us to pay XXXX different loans at once. Initially Sallie Mae told me they would switch me to Graduate Repayment ( interest only ) but this has not happened, nor has consolidation ( XXXX XXXX also claimed to lower our payments but never did ), and I do n't know what to do. My grandfather is the only one generating income and it 's barely enough for us to keep the house, so we do n't know what to do and it seems like other students both from my school and around the country feel like they are being scammed by Sallie Mae.
Consumer complaint received 2017-03-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FC HoldCo LLC (TX)

I am being harassed by Flagship Credit Acceptance. They call me non-stop even after I tell them I am not the person they are calling for. Every time they call they ask for a XXXX. This is not me and I have told them this several times and asked them to stop calling. They will not stop calling. 

I believe their operations are a scam. If you call the number the leave you can never talk to a live person. All they want on the phone system is to trick you into entering your SSN. The automated phone system ask two questions - your account number or SSN. I do n't have an account number b/c I have never done business with these people and I am not the person they keep asking for on their calls. No matter what options you pick you can not speak to a person.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Innovis (FL)

I pulled my credit report and noticed that there were some unauthorized inquires on my report. Therefore, I contacted the creditor listed and their response was that they did not actually pull my report, but that another company used their software. They then referred me to another company I have never heard of and I was unable to resolve it with them as well.
Consumer complaint received 2024-09-30
Product: Credit reporting 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. (VA)

[ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Subject : Dispute of Unauthorized Credit Inquiries Due to Identity Theft To Whom It May Concern, I am writing to formally dispute multiple unauthorized credit inquiries on my credit report due to identity theft. It has come to my attention that my personal information has been misused, resulting in inquiries that I did not authorize. 

The following inquiries are disputed and should be investigated : XX/XX/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 These inquiries are damaging my credit profile and are the result of fraudulent activity. Under the Fair Credit Reporting Act, I am entitled to dispute this information and demand an immediate investigation. 

I expect a prompt response confirming the removal of these unauthorized inquiries and detailing the results of your investigation. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

My problem is that PNC Mortgage is trying to sell my house at foreclosure auction without giving me the chance to be considered for any programs that would allow me to get my loan restructured or modified. There has been a major change in my financial circumstances as my wife is working full time and based on this information we certainly qualify for an assistance program. The issue is that PNC refuses to give us the time of day, refuses to open a new review, refuses to assign a contact to handle our case and instead is moving to foreclose on my home I have owned for the last 12 years. 

I worked as a welding inspector for the last 13 years until I was injured. I ended up beginning the process of applying for XXXX but it is a lengthy process. At that time my father was living in the home with myself and my wife. Although I was not bringing in any income at that time, my father picked up the slack and helped out with everything. The big problem started when he passed away. At that time I reached out to PNC in order to be reviewed for assistance options. I was told that I was denied because we did not have any income coming in at that time. I was waiting for XXXX and my wife was looking for work. Luckily we had some money put aside and continued making the payment for nearly another year, and then the funds dried up. My XXXX benefits case was still pending. I once again reached out to PNC to see if there were any options such as forbearance plans, deferred payment plans or unemployment plans. However, their agents refused to consider ANY of these options and immediately moved to put me into foreclosure. 

The good news is that there is a change in financial circumstances, my wife is working full time as an XXXX and contributing 100 % of her monthly income to the household. We are now in a position that we can definitely afford a reasonable monthly mortgage payment. The problem is that when I attempted to inform PNC of this situation and initiate a new review I was told it was too late and that they were moving forward with the foreclosure. This is not only unethical, in the state of California it is illegal. I believe I am entitled to a full review of my current and correct financial circumstances in order to determine eligibility for all federal, state and internal programs that are set up to help struggling homeowners. PNC Mortgage is refusing to do so and instead insisting on auctioning off my home unless I can reinstate the loan in full. I am not in a position to do that, but if PNC were to postpone this sale and review the current financial information they would see that we have a much improved financial position and would be able to get back on track with our mortgage loan and make a fair monthly payment.
Consumer complaint received 2024-12-05
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MS)

They had closed my account without reasoning and I asked for it to be reopened because I had a dispute coming to the account, but they refused to reopen the account and instead send out a paper check when in the pass the sent out an paper check and I never received it. Once again they sent out another one this time and I never received that one either. So I told them about it and the are refusing to send me another check because someone stole it and cashed the first one. They are wanting me to feel out an affidavit and get it notarized, but I dont have the funds, so I just ask the reopened the account just for a couple days or XXXX hrs. Also the opened the account again in the past.
Consumer complaint received 2017-03-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC. (CA)

I have been a victim of identity theft and Exeter finance is one of the companies that is listed on my report that is due to this theft. I have done all of the steps required to take care of this situation, I have filed a police report I have done a FTC identity theft affidavit sent in my identification to them and I keep getting no response from them. I called last week and was told my police report was not signed by a XXXX I explained to them in XXXX ca if it is not a crime that puts you in immediate danger you are to file a police report online and wait for it to get approved by an XXXX which is what I did my police report was approved and the XXXX name is on the report. I explained this to them they said they would just call the police station to make sure it was a valid report that day I said fine I called to follow up and no one seems to know anything. I sent everything over to them why must I be a victim twice
Consumer complaint received 2017-06-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: IQOR US INC (FL)

I get calls repeatedly throughout the day from  Allied  (  XXXX  ). I do n't have anything outstanding, but it shows as a debt collection agency. They never leave a message, and I keep my cell phone on silent while I 'm at work so I always just miss the call. Today, that number came through to my work.
Consumer complaint received 2017-03-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

We have not been properly notified about changes to our account. When questioning the changes and trying to get clarity on them, we were instructed to write a letter of dispute. Which we did in XXXX of 2016. We have never received an answer, we call every week. The proper changes to our mortgage have never been updated and we continue to get passed around. They have actually told us not to make a payment because they do n't know what the recalculation payment amount is. Ditech is a fundamentally flawed and fraudulent company and we need outside help as we have exhausted all options with them.
Consumer complaint received 2017-03-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: USCB, Inc. (CA)

This Letter shall serve as formal notice of my Intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law. 

In correspondence dated XX/XX/2016 you received a demand for validation and cease communication letter from me delivered to you via certified mail. As of today you have failed to provide me with the proof I have lawfully requested. 

The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. Also, when an alleged debt is disputed, a notation must be entered on the debtor 's credit report showing the item as in dispute. Again, this was not done. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 

FCRA 1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 
2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 

FDCPA 1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication 2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} If you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX and XXXX ) and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. Please see attachments for police report case number, ID for identification verification, and copy of credit card bank statement for additional identification verification. There is 2 ID Theft reports listed due to not having enough space.
Consumer complaint received 2017-03-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO. (IL)

I notified Chase that I did not wish to have any contact with XXXX, their rep changed my due date from the XXXX to the XXXX which will never work, but Chase claims it is my fault. I ca n't catch up this at this time which they were notified of. My credit has been affected by this, I advised the due date change came from AES not me, I can lose my job over this and plus I have a medical bill to pay. I want my courtesy credit report due to the fact that XXXX changed my due date. I CAN NOT CATCH UP THE ACCOUNT AND IT IS NOT MY FAULT THAT AES CHANGED THE DUE DATE, I do not want my letters or phone calls from XXXX or Chase on this loan because they know why it is late because I them numerous times. I have spoken to XXXX on XX/XX/2017 and XX/XX/2017 to see if my due change was done, I was told it can take up 7-10 business but the account was current when I asked for the due date change. The XXXX does not work with my budget and it is going late. I feel that AES is misleading me again, I ca n't continue to have 30 day marks on my credit report which is preventing me from applying to higher paying opportunities, my mother was helping me but she had to have XXXX and was on medical leave for 6 weeks to recover. I dealt with XXXX on this issue before and they did change the date. This is the only creditor that I have that is giving me a hard time about changing the due date, when the rep on XX/XX/2017 put in my due date I was never given a time frame. I called back on XX/XX/2017 and then I was told the due date change my not go even though the account was current at that time. This means my account will go past due again. XXXX is dishonest which is what I have been trying to tell Chase.
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

Firstmerit bank is moving items around in the bank account that is causing an over draft fee to be charged after the amount was put in to cover. On XXXX/XXXX/2016 I checked my bank account and showed I had {$17.00} and some change in the bank and all the pending charges had come out of the bank. When checking my account on XXXX/XXXX/2016 it showed that a check had come through after XXXX and caused the account to over draft, I went in that same day and put the money in to cover the amount and when checking my account it showed I was in the positive {$2.00} and some change. Well when checking my account this morning XXXX/XXXX/2016 all the items had been moved around causing the account to overdraft again last night costing me {$35.00} over draft fee. When I checked the account before bedtime last night I was still in the positive and after not using my card at all yesterday the charges that had come through XXXX/XXXX/2016 had been moved to XXXX/XXXX/2016. The way that they are showing in the account is that I had been using my card after the account was bounced but I even opted in to have it that I am not able to use my debit card if the amount that I am trying to buy is more than the amount in the bank. I contacted customer service and they had been no help, the representative was very short with me and did not want to help.
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

I purchased my home on XXXX 2007. My purchase price was {$650000.00}. As it is widely known, prices were still inflated at this time Since then the property values in my city dropped XXXX %. The home values have recovered but it is unknown how much longer it will take for my home to reach the original purchase price. I have been able to decrease my balance and my current loan to value. 
Considering the current market value of my home of {$610000.00}, my current LTV is XXXX %. I contacted my lender to remove the mortgage insurance premium of {$350.00}, but they are denying my request even though I am well below the requirement of 78 % loan to value because my home is below the original purchase price of {$650000.00}. This is not fair for me or any consumer in my situation. 
If I have to wait for my home to reach the original purchase price it could take another 5-7 years. It is unfair that the mortgage insurance company and lender will not remove my mortgage insurance premium even though I have met the loan to value guidelines and lending guidelines. This puts me, as a consumer, at a huge disadvantage because they give me no option except to refinance to remove the mortgage insurance. However, refinancing will cost me anywhere from $ XXXX- {$7000.00} with closing costs. Once again this gives the advantage to the lender because I have to spend thousands of dollars to remove the PMI. 
Also, if I can not cancel the mortgage insurance, the mortgage insurance company will collect {$25000.00} in premiums over the next 72 months, which is approximately the time it will take for my home to reach the value of {$650000.00}, that is only if there are no other market corrections. I am asking the CFPB to help me get the PMI removed from my mortgage payment. 
The handcuffs that the lender has put on me and my family is an unjust situation. My family and I are being forced to spend thousands of dollars when we have worked very hard to lower the balance to remove the PMI.