davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I received a letter from XXXX XXXX / XXXX XXXX ( I'm not sure which, both are included on the letterhead ) dated XX/XX/2018, advising me that XXXX XXXX  is transferring the loan on XX/XX/2018 to American Education Services ( AES ). The letter states I need to begin sending payment to AES on XX/XX/2018. 

I sent my payment to AES on XX/XX/2018 using the account number provided on the letter I referenced above. 

In XXXX I began receiving past due notices from AES. When I called and indicated what I had done, they advised me the account I supplied ( which was the one on the letter I received ) did not exist. In fact, they said the account was not setup on system until XX/XX/XXXX ( yet I was told to begin paying them on XX/XX/XXXX ). They said they could not post the payment, were mailing me a refund check for the payment ( {$140.00} ),  and that upon receipt I was to endorse the check and mail it back to them. I questioned this approach, and asked if I should just deposit the check and make another payment. The rep told me not to do that, and advised that by endorsing the check and mailing it back in that would assure me that the payment was applied at the original time I made it. I called back one other time to get the mailing address, and reconfirmed with another rep that I should endorse and mail versus depositing and making a payment, and the 2nd rep affirmed what I had originally been told, so I complied. 

Subsequent weeks pass and I continue to receive past due notices in the mail, past due notices via email, and so I called back to check on the status of the payment being applied. I'm told at that time no one could find record of the check I mailed back in, and that the advice I had received to endorse the check and mail it back was erroneous. I'm also told that I have a late fee. 

After multiple phone calls, I finally received the refund check again on XX/XX/XXXX for the payment I submitted on XX/XX/XXXX. I deposited that check and made the payment of {$140.00} on XX/XX/XXXX. 

I called back today ( XX/XX/XXXX ) to ensure any and all late fees have been removed from my account. I'm told I have a total of {$10.00} in late fees on my account, and that a request for the late fees to be removed has been in process since XX/XX/XXXX. The fact that after having been through all of the above which is documented on my account and the lender can't credit {$11.00} in late fees over the course of 30+ days is absurd. 

I also learned that through the transition of this loan, that my minimum payment due has been increased by $ XXXX/month. That also doesn't seem to be a fair practice. 

As a consumer, I did nothing wrong, I did not ask for this loan to be transferred to another lender, and yet I've had late fees sitting on my account for 30+ days ( likely accruing additional interest ) and also somehow had my minimum payment due increased by $ XXXX/month. This is not fair business practices.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION (CA)

I have went into the bank 4 times and called 7 times.. the bank shows my account open and over 30 days late twice. Once onXXXX and once in XXXX which is not accurate. I closed the account on XX/XX/XXXX. The only late payment was in XXXX. Which was never reported. This inaccuracy has lowered my credit score over 80 points. I am I am in the middle of escrow on a home loan and this is making me in eligible. They REFUSE to correct this!!! I am going to lose my deposits and home loan due to their mistake!!!
Consumer complaint received 2019-03-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Recoveries, Inc. (IL)

My situation is in regards to National Recoveries withholding the tax returns belonging to my parents and myself. My parents file taxes jointly but separate from myself. 

This withholding is reportedly for debt owed to the dept. of education ( $ XXXX ) for which my parents were co-signers of loan of origin. This debt has already been paid to completion in good faith through a mixture of monthly payments and multiple past years of tax withholding which in excess of the amount of the debt owed. The completion of these payments is reflected clearly on my credit report and with the financial aid department of the original university. For the years XXXX and XXXX, my tax return was withheld in an attempt to service the " debt. '' Receipts of completion of payment provided to National Recoveries ( XXXX ). Additionally, no prior notice was ever delivered to either household in regards to this withholding which is suggested by federal guidance. Therefore there was no opportunity to contest the withholding and present evidence. Other than this debt, neither of our households have shared any other expenses for over a decade. The IRS does not assist in these affairs. I am having great difficulty in resolving this matter and am considering legal representation.
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

I did not subscribe to XXXX. My demand requires you to investigate every claim of impropriety on my credit report. It includes : 1. Contact with alleged creditor ; 2. Request for signature exemplar ; 3. If none is produced, please remove the derogatory information ; 4. Remove all hard inquiries on my credit report if NO signature exemplar is provided.

This is a final goodwill attempt to have you clear up my record.

This is a formal notice that this account ( s ) are disputed. Please note that wrong information is a violation of FCRA & FDCPA. 

XXXX XXXX, XXXX/XXXX XXXX XXXX   ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX AMOUNTS : {$540.00} ; {$300.00} ; {$540.00} ; {$1300.00}. 
XXXX XXXX XXXX XXXX, XXXX, NC XXXX Remove these four credits information from my report. XXXX XXXX XXXX on Tel : ( XXXX  ) XXXX was a billing company and a creditor mentioned by XXXX XXXX , XXXX . 
these accounts are not mine. It must be removed immediately.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

Credit bureaus requiring unsecure method to freeze reports of dependent minor. 

Members of my family were impacted by the XXXX data breach. We've frozen records for adults but our children ( minors ) are the issue. To freeze the reports of my children, all credit bureaus require us to mail them ( in a single envelope ) copies of their social security cards and birth certificates ( plus additional info ). To say that is a tremendous security risk would be an understatement as we are placing two of the most critical documents used for identify theft together and sending it through the mail. 

I find this unacceptable as the ONLY means to freeze their reports and believe others will have the same concern.
Consumer complaint received 2019-03-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Today XX/XX/2019 I tried to submit a dispute on my experian credit report. After submitting all the information they ( experian ) would not allow me to submit my dispute. It stated that I already disputed these items and to call that toll free number again. I've tried several times to reach a live person to dispute these accounts that are wrong and can't even speak to a human. XXXX XXXX XXXX XXXX XXXX is paid in full ... .XXXX XXXX XXXX has fraudulant charges ... ..XXXX XXXX was verified as never paid late ... .and XXXX XXXX was verified as never paid late .... ( XXXX did a proper investigation and that was the outcome and correct results ) XXXX has fixed my credit report but experian won't even let me on the system. This is not right as having this wrong information reporting is hurting my credit and causing me a hardship. I am fustrated at the fact that they won't even let me re-dispute this information nor let me online to do it.
Consumer complaint received 2019-03-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd. (MN)

This law firm, Stewart , Zlimen & Jungers , LTD, Ive never heard of representing a company, XXXX XXXX, Ive never heard of has sent a letter saying they are a debt collection company and a law firm and they stated that Ive teceny been served with the Statement of Claim and Summons.
Consumer complaint received 2019-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MN)

SyncB/TJX Cos : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Consumer complaint received 2019-03-03
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP, LLC (WI)

After not using my card for almost 3 years, the Global Cash Card company would not activate a replacement card. The operator that was spoken to on XX/XX/2019 at XXXX XXXX Central Time, was looking for a catch phrase as he called it to identify the caller. Some secret catch phrase was never made by me. The company had to make up some type of word. The only thing I made was a PIN code by telephone, not by the internet. Therefore, the customer rep blocked the old card instead of giving me a chance to find it. This action caused a delay in payments of bills, thus making it impossible to make a 52 mile round trip for work to be done starting XX/XX/2019. When calling the number XXXX for customer service, the processor told me that it would take 48 hours to solve the issue. This would be handled on business days only meaning we have an unsolved issue for 6 days due to the fact Friday was XX/XX/XXXX. We have two days on the weekend along with Monday and Tuesday being the XXXX  and the XXXX  meaning by the XXXX of the month this issue may still be unsolved. Global Cash Card refused to make a simple bank to bank transfer of money that did not belong to them although it was going to another account with my name on it. According to them the entire world banking system is on shutdown due to the fact that they blocked my card. Thanks to this company my telephone will be off until Thursday or Friday which will be an entire week. During that time I can not accept jobs through the app services, while other bills are delayed. Unfortunately we have to deal with this company to get the money that we make. If it was my choice I would use another system.
Consumer complaint received 2018-09-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (PA)

XX/XX/2018 : After applying for a {$45000.00} Line of Credit through TD bank online, I was assigned a Loan Processor who I exchanged many emails with prior to committing to the LOC. In these emails, I was given the terms of the loan, as well as the repay back periods, and my monthly payment if I used the entire LOC. They were explained as follows : " Good Afternoon, the line of credit has a 20 year term. During the 1st 10 years you are paying back interest only, then during the next 10 years you pay principle and interest. 

If you use the entire line, your monthly payment for the first ten years would be {$410.00} '' After numerous other email exchanges, based on the terms stated above, I proceeded with the LOC ; in order to be approved for closing, I had to put in writing via email, which I did, " We agree to the terms of this loan ''. The terms provided above. 

We closed on our loan at our local bank branch, and verified the terms via email. We signed and closed. 

I received my first statement in the mail, and with my surprise after only using XXXX of the line, my minimum monthly payment states {$590.00} ( principal and interest ) After numerous phone calls to representatives, I was handed off several times, I was informed the terms I was given, and consented to, in the email were incorrect, and that she made a 'typo '. And that I am actually responsible for paying 2 % of the line balance every month, and even though it is a 20 year term, that it would never actually get to 20 years or even 10 for that  matter. 

I went from being told " we may have to honor those terms '' to being told that this was a typo, and there's nothing we can do since the paperwork is signed and complete. 

l was extremely misled, the 'correct ' terms were NEVER disclosed to me via email or at settlement ; I signed under false pretenses based on what I believed to be accurate information from bank representatives. 


I can provide all email exchanges.
Consumer complaint received 2018-09-22
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. (TN)

XXXX XXXX This account was paid through the previous bank that owned the account. I have asked the creditor to provide physical proof of this debt to include all transactions, signed recipients, payments, balances, application, credit limits, finance charges, fees, etc from when the card was open on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being incorrect and unverified. None of my on time payments are showing on this account. The account is being reported differently to XXXX, Transunion, and XXXX. These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. XXXX has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. I demand that this specific and unverified information be corrected or deleted from my reports immediately!
Consumer complaint received 2018-09-22
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)

I called XXXX and Experian questioned an inquiries of XXXX, XXXX XXXX  and XXXX XXXX on my credit report. I told them that I did not make these two inquiries on my credit file. They gave me the run around.
Consumer complaint received 2019-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

When I first started XXXX XXXX in early XX/XX/XXXX, my XXXX   recommended CareCredit to finance payments ( a service provided by My Synchrony Bank ). I was supposed to have until XX/XX/XXXX interest free. I trusted that My Synchrony would not charge me interest, and I put my account on Auto Pay.

A few months ago, I discovered the bank had been charging me " Card Security '' fee every month. In addition, they were also charging me interest all along!!! " Card Security '' fees ranged from $ XXXX- {$40.00} dollars a month, and interest within that range as well.

I called the bank several times to get to the bottom of this issue. However, they kept sending me in circles. When I called the number on the back of my CareCredit card, they said that this so-called " Card Security '' service is not from the bank itself. They gave me a different number to call. On XX/XX/XXXX, I was finally issued a refund for {$830.00}. I never requested this service. They should have never charged me this " hidden '' fee. This is malpractice.

Adding insult to injury, the interest refund I received was only {$20.00}. It is the interest charge for XX/XX/XXXX ONLY. This bank has been charging me interest for years. I called repeatedly, and they have either ignored me, or manipulated me in an endless circle of talking to different people and no one can do anything. Every time I asked for a supervisor, they regurgitated the same old response " We will escalate this issue and respond within 5 business days ''. It has been months and I still don't have a simple response.

I learned through persistent calls that interest charges were associated with " Card Security '', and Synchrony Bank kept telling me they " couldn't remove those charges. '' Again, I never requested this service, and I was incurring interest charges for a service I never requested. I called " Card Security '' over and over again, and they said they couldn't do anything to remove those charges, and that the issue will be escalated. I received a call from a woman named XXXX  once or twice, who claims to be XXXX XXXX, and I have been calling her again and again. I could not get a hold of her.

This has been ongoing for over 1 month. I want this issue to solved without further delays from Synchrony.
Consumer complaint received 2019-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

As of XX/XX/2019, my XXXX  credit report shows a debt collection from Midwest Recovery Systems in the amount of {$890.00}. I do not know what this is for. I've not been notified via phone call or mail that I owe this amount and to whom. My credit score has dropped significantly due to this erroneous data.
Consumer complaint received 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (ND)

I have contacted my mortgage company numerous times since my closing date in XXXX. My escrow has been over inflated since the day of closing. I have sent in documentation of tax estimates multiple times and continue to be told they 'lost ' them or can not find them at the time I call to follow up. I have been promised that a new analysis would be done and my overage returned on two separate occasions. Now, my yearly taxes have been paid and there is an over {$4000.00} overage in my account and the bank is refusing to complete an escrow analysis. I have been calling repeatedly about this issue and continue to be promised an escrow analysis will be completed, but one is never done -- or at least I have never received anything in writing. I called again today and they are refusing to honor the previous promises that the analysis would be completed as soon as the taxes are actually paid and insisting on delaying another month into XXXX.
Consumer complaint received 2019-01-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

I am pleading with you to please help me with my lienholder, Pennymac. About 8 months ago, we had to stop making payments due to financial hardship. We are a family that goes above and beyond for each other. We've had XXXX if not XXXX of our kids live with us during our duration of owning the home. Back in XX/XX/XXXX my wife had to have XXXX and that put our income down to one. Then in XX/XX/XXXX/XX/XX/XXXX my wife started experiencing XXXX  and XXXX XXXX XXXX XXXX which made her part time job even more part time. In XX/XX/XXXX, my wife had to have XXXX XXXX due to a XXXX XXXX XXXX XXXX XXXX. There was very XXXX  XXXX XXXX  going down her XXXX. Due to that XXXX she has not been able to return to work due to XXXX XXXX XXXX XXXX XXXX XXXX. Finding a job that she can do has been difficult for her. We did get a modification during XX/XX/XXXX and things were going ok until our property taxes went up so much that it raised our payment by XXXX. There fore making our payment higher than the original payment. While trying to help our kids during this time as well, I changed my withholdings and forgot to change them back. Which resulted in the IRS putting my withholdings at XXXX and freezing it so i can't change it. This has really put us in a position of having to figure out what to pay and not pay. We knew months ago that we would not be able to get caught up so we decided to put the house on the market for XXXX without doing any kind of short sale. For we had no intentions of a short sell at all. We finally got an offer, but due to repairs that need to be done on the house, the buyer backed out. We could not afford to fix the repairs. During the time that this all this is going on, my wife 's nephew and girlfriend left there son here and have not returned. We are now taking care of him and trying to figure out how to keep all the bills paid. On XXXX XXXX my wife was in a car accident and is going through all kinds of XXXX and doctors appt, so for her to look for work is out of the question at this time. This is a real financial hardship for us.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

Walmart XXXX This account was paid through the previous bank that owned the account. I have asked the creditor to provide physical proof of this debt to include all transactions, signed recipients, payments, balances, application, credit limits, finance charges, fees, etc from when the card was open on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being incorrect and unverified. None of my on time payments are showing on this account. The account is being reported differently to XXXX, XXXX, and XXXX. These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. Walmart has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. I demand that this specific and unverified information be corrected or deleted from my reports immediately!