davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK (AZ)

discoverstudentloans.com alleged that I had a sixty day late on a loan on which I am a co-signer. Unfortunately, I was probably that late but not due to any delinquency on my part but due to their not contacting me to let me know I was late. I am trying to have this blemish expunged because it was their fault. They have been unresponsive and have failed to provide documentation about this matter. 
When they got a hold of me I paid and was current with the loan until my son went back to school. 
My contact with them to resolve this was riddled with misinformation, wrong addresses, wrong social security numbers, and the list goes on.
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: KEYCORP (PA)

My business checking account with First Niagara was actual just acquired by KeyBank. I made bill payments on XX/XX/XXXX and XX/XX/XXXX with First Niagara. Seven of my customers ( long standing ) stated that they did not receive their checks. As of XX/XX/XXXX KeyBank took over First Niagara operations, it has been chaos ever since! I have spent XX/XX/XXXX month on the phone with KeyBank representatives ( multiple, who all give me a different story ), hours on the phone and in the branch bank trying to get some resolution! My customers and a automated bill pay alert from First Niagara are stating that the customers never cashed their checks, while KeyBank is stating they did! Due to a misunderstanding of how bill pay worked at my particular bank! NO ONE at KeyBank understands that when I submit a payment on bill it is automatically taken out of my account! This was confirmed by my branch office. The customer service representatives at KeyBank not only argue with me about it, but also when I have my branch call. NO ONE can even given me evidence that they were cashed ( a standard banking practice )! In the mean time, I have double paid 7 of my customers due to bank not knowing what they are doing! This should have been a easy issue! It has turned into a nightmare for me and my business partner!
Consumer complaint received 2020-03-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Healthcare Management, LLC (CO)

I contacted A-1 Collection Agency, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX XXXX on XX/XX/2020. They Did not send me a letter within five days of collectors initial communication including the amount of the debt, name of the creditor, and notice of my right to dispute the debt within 30 days. The collection agency sent me the following payment plan information and not any other information.
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Arbor Residential Mortgage LLC (VA)

I have tried several times to get Seneca Mortgage XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX to do a home modification. They gave me the run around and customer service was rude. After submitting all the documents they requested they had already set a foreclose date on property. This was while I working with XXXX and they still did not help
Consumer complaint received 2016-08-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (CO)

I ordered a XXXX Storage Unit in XXXX 2015 ; I cancelled the XXXX unit prior to them delivering the unit. I cancelled well before their required cancellation time frame. They are now having a collection agency send me a bill for non-rendered services.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Credit Plus Inc (CO)

I was notified by a mortgage broker there was a negative credit report from XXXX XXXX XXXX on my credit report. It stated there was an amount due for a charged off account, reported XXXX/XXXX/XXXX. 
I called XXXX, and was directed to a division that handled revolving credit accounts at XXXX. This department was unable to locate the account or me by my social security number. I then called XXXX and they have no record of any past due account. However, they had changed banks from XXXX XXXX to XXXX XXXX. 
I then sent a certified letter on XXXX/XXXX/XXXX to XXXX with account number, my name, social security number, address, phone number and email address. I requested to have someone contact me so I could verify this was my debt, and make payment arrangement. The letter was signed in acceptance at XXXX XXXX on XXXX/XXXX/XXXX. 
I have heard nothing in writing or via email from XXXX XXXX. 
When I called them, they could not find the account or me by social security number. 
I am requesting that XXXX contact me in 30 days to verify the validity of this account, and make available to me a way to pay for account. 
If they are unable to verify this account, I am requesting it is removed from all XXXX credit reporting agencies, and I am provided with a written notice of such. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2015-05-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NJ)

Honda Financial Services XXXX misapplied car loan payment to a closed lease account. This caused all subsequent payments to be considered late and fined for delinquency. I continued paying more than minimum payment to catch up to what Honda was considering late. However, the late payment fees continued and another misapplication of payment in XXXX led to threat of car repossession. Loss of income resulted from having to research and dispute matter with Honda. Additionally, credit score affected by 7+ months of Honda marking payments as late. Physical proof of all mentioned here is available for review. 

Honda has made it additionally difficult to rectify this matter as they are only open XXXX - XXXX and will not allow clients to speak with supervisors when calling Customer Support. Clients are instructed that supervisors will return calls at a time that is " convenient for them. '' As these calls never took place at a time when I was available to speak with the company ( I was XXXX ), the company made it impossible to speak directly with a supervisory rep to rectify this matter.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I discovered the Assignment of Mortgage executed on XXXX XXXX, XXXX and recorded/filed XXXX XXXX, XXXX on our loan was robo-signed by robo-signer XXXX XXXX. Please see enclosed Assignment of Mortgage. XXXX XXXX XXXX was not an employee ( Assistant Secretary ) of XXXX ( XXXX ) on the date of XXXX XXXX, XXXX. XXXX is a shell corporation with [ n ] o employees and XXXX did [ n ] ot exist on XXXX XXXX, XXXX. In fact, XXXX, has been publicly out of business since XXXX. Please see enclosed document for verification and confirmation from the Federal Deposit Insurance Corporation. Robo-signing is illegal and has been outlawed in the State of New York. It appears the attached Assignment of Mortgage, was manufactured and prepared by the XXXX, the enclosed Assignment of Mortgage shows a XXXX Trust - and a fraudulent assignment in XXXX - 9 years AFTER the Trust had CLOSED! 
Trust documents are explicit in setting forth a method and date for the transfer of the mortgage loans to the trust and in insisting that no party involved in the trust take steps that would endanger the trust 's XXXX status, if the original transfers did not comply with the method and timing for transfer required by the trust documents, then such belated transfers to the trust would be void. The Trust itself can not hold ownership of the note because of its tax-preferred XXXX status. 
New York 's XXXX has erected an impenetrable legal barrier that prevents the Bank 's trust from acquiring a purported note and mortgage after the Trust 's closing date.
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Federated Capital Corporation (OH)

XX/XX/XXXX I opened : " XXXX '' I used a credit card issued TO MY XXXX from " XXXX '' bank out of XXXX to purchase inventory. XXXX XXXX went BANKRUPT in XX/XX/XXXX-XX/XX/XXXX. My XXXX was unable to pay its debts and through court action was taken from me. " FEDERATED CAPITOL '' acquired all the toxic debt of XXXX XXXX, including that of " XXXX. '' Federated has repeatedly called, sent letters & issued summons to court three times. Once in XXXX, once in XXXX XXXX XXXX, XXXX, XXXX and recently XX/XX/XXXX ) attempted to place a LIEN against me through XXXX County Court, XXXX, XXXX. I have written Federated, spoken to them, hired a lawyer who contacted them. They refuse to drop the issue.
Consumer complaint received 2017-03-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Wakefield and associates is listed on my all XXXX of my credit reports twice. I mailed a letter to them to verify the debt and I have not received anything in return. I mailed the letter about two months ago. The credit report says its from the medical center. I did n't go to the medical center during the time frame that listed. I need to see some type of verification to make sure this debt is mine. I have called this collection a few times also but cant get in touch with anyone.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I sent, via certified mail, a formal dispute of items contained in my credit report, accompanied by copies of my driver 's license and Social Security card, to EXPERIAN. The attached document is their response to me, which you will see is a refusal to investigate my dispute because they viewed it as a " suspicious request ''. It is my understanding that EXPERIAN 's tacit disregard of my request is in direct contradiction of FCRA, 15 U.S.C. 1681i ( a ). I greatly appreciate you investigating my complaint.
Consumer complaint received 2015-04-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (IL)

I have been with Exeter Finance for about XXXX years now and they have been told over a year ago, not to call my work place. They were compliant until XXXX XXXX when I got a call on my phone at work from them. I have the call in my call log at work and if need be I can see if I can get a print out from the main computer that hosts our phones. This is a violation of my rights as a consumer and something needs to be done about it.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NE)

Experian reports my Revolving Credit Limit as {$110000.00}. 
Adding up the open credit cards ( XXXX ) they list in the same report, comes to {$44000.00}. 
They are unresponsive, uncooperative and abusive. 
I 'd like to get this apparent error either corrected or the provenance of the number explained but Experian is rude, unprofessional, and exasperating. 
PS, do n't fall for the 'it must be the real estate loans ' because they are reported accurately and no mathematically correct way exists to get the numbers reported to match up. 
PPS, the 'upload ' dispute system does n't work and, after going through all the hassle, you get a message that tells you to send in your complaint by snail mail. Even that would be OK if it worked. 
I anticipate that Experian will deny all, that, in my opinion, appears to be their MO. 
Please publish this.
Consumer complaint received 2016-09-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pinnacle Credit Services, LLC (TX)

This debt is not mine, furthermore I was not notified or sent a notice that this debt was going to affect my credit score. No notice of an attempt to collect a debt was sent or an option to dispute the debt was given. This debt is identity theft.
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

I have called and faxed my request 4 times to have my personal information corrected and addresses and name variations corrected. This agency keeps telling me that I have to fax all kinds of personal info including a few of my bills which I am not comfortable doing. I have provided my drivers license and social that should suffice.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2016 I sent out two separate letters to XXXX XXXX XXXX, they have XXXX separate accounts listed on my credit report stating that I allegedly owe {$370.00}. I disputed these matters with them and never heard a word from them with proof of ownership of mine for these accounts. They have still to this day yet to furnish proof of me owning this debt. They are way past the 30 day reporting timeframe and have broken the law.
Consumer complaint received 2016-12-27
Product: Credit card — 
Issue: Other — 
Company: STERLING JEWELERS, INC. (CA)

I returned three rings to XXXX on XX/XX/2016. Items were returned and I have yet to receive refund. I tracked the items and kayoutlet received the returned items on XX/XX/2016. It 's been well over 80 days and the {$2000.00} has yet to be refunded to my Kay jewelers credit card.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (CA)

I opened a BarclayCard on XXXX XXXX to help rebuild my credit, after not having credit cards for a decade. During the first few weeks I signed up to their online system, and waited to receive information about my first payment. I charged some school expenses and I was ready to pay off 30 % in the first month. I never received my due date in the documentation or online. 

Finally, after calling several times ; my first payment was to be due on XXXX XXXX. I logged onto the website, entered my bank details and made my first payment. I received an email confirming the payment. A week later, I received a letter, not an email, ( the day my payment was due ) that my payment did n't go through and I needed to make a payment. I rushed to the computer and phone, and managed to make a payment over the phone minutes before it was due. I called again to confirm it was received, which it was. I received a payment confirmation. 

About a week later I received another letter ( not an email, although I had been receiving advertising emails from them ) that my payment did n't go through. I immediately logged on and called. From the website it said my account was not active. The person on the phone took my bank details, made a payment and said everything was fine, and that my next due date was XXXX XXXX. 

The next day I received a letter from Barclaycard saying after reviewing my credit report and because of my delinquency ( I assume with my first payment ) that my account was cancelled and to destroy my cards. And just today I received an {$5.00} starbucks card in the mail as a thank you. 

This company has a faulty online system that confirms payments even though they do n't go through, and their communications are confusing if not illegal. If I receive an email stating my payment was received, should n't I also receive an email saying they were not able to process it? Instead of a letter, which in the second instance took 8 days to show up. One might assume they are purposely making the process confusing as to incur more penalty payments from consumers. Notwithstanding the entire time I was receiving promotional emails from them. 

p.s. each time my payment was made there was plenty of funds in the bank account. The first time might have been a routing number issues on my part ( I have XXXX routing numbers, XXXX for wires and XXXX for checks ). However, the second payment I made on the phone to a representative. Both were confirmed with confirmation numbers on the top of the letters I 'm attaching.
Consumer complaint received 2015-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Zakheim Law Group, P.A. (VA)

XXXX refuses to send me statements for what is owed, they purchased the dept from sears financial. The dept was incurred when we purchased an over priced air conditioning system for the house seven years ago. When I have called and asked for statements I am told I have to sign up for and automatic payment plan. They do not call and do not communicate by mail.
Consumer complaint received 2015-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

In XXXX of XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX. On XXXX XXXX, XXXX, I was declared permanently XXXX XXXX XXXX XXXX XXXX of XXXX, and medically-mandated to stop working permanently. This meant I would no longer receive a paycheck, thus could no longer afford financial obligations I could afford while working. I contacted my creditors, including XXXX XXXX. I advised XXXX that with I must Voluntarily Surrender my vehicle. With no salary, I could no longer continue my approximately $ XXXX auto payments. I carefully and diplomatically arranged a time and place to return the vehicle, and had it Voluntarily Surrendered at a designated XXXX dealership. Not until XXXX XXXX, XXXX, when I tried to rent an apartment, did I learn that XXXX XXXX had reported this Voluntary Surrender as something else - a Repossession - to XXXX, Experian and XXXX. I called XXXX XXXX and was told by an agent that " XXXX considers a Voluntary Surrender and a Repo the same thing ''. This inaccurate reporting by XXXX of a " Repo '' of the XXXX XXXX violates The Fair Credit Reporting Act. ( Subpart E of Regulation V, 12 C.F.R. SS 1022.42 ( a ), the implementing regulation of the Fair Credit Reporting Act, 15 U.S.C. SS 1681, et seq ( FCRA ). Firstly, they are not the same in any circumstance. I had no ill intent, and most strongly, I had no choice, as XXXX and the inability to work were not my choices. I believe XXXX 's irresponsible wording may amount to XXXX Discrimination, as were the harassing phone calls, " It 's not XXXX 's fault you 're sick! '' and XXXX 's law suit against me. Because of this misreporting, my credit score dropped from its usual XXXX to a ( last-heard ) XXXX. I subsist on XXXX XXXX income, which is protected from garnishment. I have been unable to rent an apartment and have been homeless since XXXX XXXX, XXXX. I have no documents available to me to attach, as my belongings are in storage. I would invite XXXX to show any evidence whatsoever of a " Repo ''.
Consumer complaint received 2015-08-28
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Performant Financial Corporation (TX)

A lady named XXXX XXXX, working for a company called XXXX contacted my neighbor. My neighbor said she must have just searched for numbers belonging to people in our neighborhood because she did not know her name but asked if she lived in our subdivision which she named and then she asked her if she knew me in the neighborhood. My neighbor said not knowing if it was an emergency she said yes she is my neighbor. At this point XXXX proceeded to tell her she and I were business partners doing business together and that she had n't talked to me in a while and the number she had for me no longer worked. She asked my number if she had my number and when she was not able to get that information she gave her a number for me to contact. I do not know any of my neighbors like that and I only know this ladies name and her mines because we introduced ourselves to XXXX another. This was completely out of line and illegal and I would like to do whatever I can legally to make sure this does not happen ever again. The number she gave my neighbor is XXXX XXXX.
Consumer complaint received 2017-01-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (NY)

I have not been able to re-pay a student loan that I took out for my son, with the school that he attended. I spoke to representatives of the agencythat represents the school, XXXX XXXX XXXX XXXX, filled out all of their forms and sent them a request for a hearing. The hearing was denied and even though I said that I would accept arrangements to re-pay the loan on terms that THEY offered, they have only responded to me with another round of threats to garnish any income and the same forms that i previously filled out and sent to them ( that they acknowledged in declining to allow me a hearing ).
Consumer complaint received 2016-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MD)

My federal loans are serviced through AES and XXXX XXXX they were supposed to be in deferment when I reported extended unemployment well they never were deferred my credit was ruined and I since then completed a rehab program and have been paying on time yet every month on my credit reports all bureaus they are reported as 120 days late and they are reaging this on my report every month
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX.