davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (DC)

I have paid my private loan payments to my loan servicer, American Education Services, on time for about a decade. I asked about removing the co-signer on my loan, given that I have an exemplary record of payment and a steady income, and the company informed me that while they could do this for some loans, they could n't for mine. They offered no explanation, no alternative, and no mechanism for escalating the issue ; they just said it was a feature of the loan and not a function of my particular status. This seems like a pretty basic service that a payee in good standing should at least be eligible for. ( In my case, my co-signer has never been necessary for my loan, and the company continues to send the co-signer information about my loan, which is both puzzling and worrisome to my co-signer -- even though there is actually nothing to worry about. ) Their solution to my wanting to remove a co-signer that is no longer relevant to my account/status was for me to change lenders, which seemed like ridiculously poor customer service.
Consumer complaint received 2015-05-07
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Comerica (PA)

Comerica Bank refuses to reimburse me for fraudulent activities on my account during the time period of XXXX and XX/XX/XXXX. I am sending along official documentation of my incarceration at that time, which clearly states that I was in custody for a year during that period until my release on XX/XX/XXXX. Also included are the Social Security documentation of overpayment as well as the bank statement showing payments made to XXXX, XXXX XXXX, etc. This is a DirectExpress Mastercard through Comerica Bank onto which funds are directly deposited.
Consumer complaint received 2015-06-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pinnacle Credit Services, LLC (CA)

For months now my credit has been ruined by a collection effort from XXXX XXXX and Pinnacle. XXXX after there investigation claims they notified the CRAs to delete the file. Pinnacle despite consistent efforts ignored that and when finally notified they resold the debt to one of there affiliates. The file this company claims I owe is from a current XXXX account opened XXXX/XXXX/14 so it 's baffeling how it could be a collection account. Both XXXX and XXXX have snubbed Thier noses at any applicable federal law regarding credit reporting. It 's time to put Pinnacle out of business.
Consumer complaint received 2021-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Financial, LLC (IN)

My name is XXXX XXXX and i am filing a complaint against binance.us a subsidiary of BAM trading company inc. XXXX XXXX number is XXXX, i reached out to the company on XX/XX/XXXX as i did not get credited my xlm deposit of XXXX. I was then instructed to upload my a pic of my transfer, the account number and a video stating who i was and what i was requesting .I got a response stating it would be credited asap on XX/XX/XXXX. It is now XX/XX/2017 emails later, several escalations and no resolution or any response on why. I then try on XX/XX/XXXX to withdraw my crypto into a wallet XXXX a value of XXXX ) and im unable to do so as it states its because or risk management, i did research and found that they do that and use the excuse that they feel the account was compromised, this is impossible as in order for anything to transpire in my account, my verified bank account needs to be involved along with a text message to my phone with a one time access code. Its an excuse. So not only are they holding XXXX of my funds hostage for no explained reason, they have not credited approximately XXXX dollars in coins to the account, its been almost a month and nothing but auto replies and canned responses.
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I did n't fall into any of the previous categories so I just clicked random to get to here so I could write in detail. 

Why am I penalized on my credit report for hard inquiries? This is just me utilizing my credit in an active way. I am a XXXX XXXX XXXX and own several XXXX and I like to shop for the best credit cards to maximize the most points I get. 

I am penalized every time I open a new credit card or close one that I do n't want anymore. I am penalized every time I buy a new XXXX, I am penalized with every property insurance policy, because these are hard inquiries. 

I use my money and credit wisely and have never been late or missed a payment ever on anything. This is a very unfair policy to penalize me for using MY OWN CREDIT. 

My credit score should be maxed out at XXXX. Please take steps to abolish this very unfair rule that the reporting agencies use to penalize us that use our credit wisely. 

Thank you, XXXX XXXX
Consumer complaint received 2018-03-20
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: EQUIFAX, INC. (CA)

Despite my repeated dispute submissions to the credit bureaus, the agencies continue to report damaging fraudulent activity. A police report was filed, and details were forwarded to bureaus and collectors, but I continued to be harassed. Equifax responded to my last consumer finance report by stating that the account was verified with collection agency. The verifying information was that the person who committed the crime used my correct Tax ID #. Well isn't this what we call fraud? This battle has continued for years, and last week, I was able to endure another interrogation from the fraud department from the collector, and they finally agreed that the account was definitely fraudulent. All 3 bureaus have continued to report false information despite a police report, and clearly they did not take the time to investigate with the collectors. Instead, they simply reported that it was my debt. One of the accounts is tied to an address, and person who committed the crime. The agencies refuse to remove me permanently from marketing. I am uploading a copy of the information received from the collector for a specific debt in question. A cellphone bill in the excess of 1000. 
I am also a victim of the EQUIFAX BREACH.
Consumer complaint received 2016-05-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Business Bureau (MI)

I had an invoice from XXXX XXXX XXXX and it was referred to Medical Business Bureau for non payment. Debt owed was XXXX. On XXXX XXXX, I called and paid this and was promised it would be removed from all XXXX credit reporting agencies. As of today, all XXXX show a balance, however it shows closed on XXXX. Medical Business Bureau has failed and I expect complete removal of this from my credit report. Please see attached paid proof along with my current credit report as of this morning showing the debt open/not closed/.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. XXXX XXXX XXXX XXXX : {$3600.00}.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (CA)

My student servicer was the Pennsylvania Higher Education Assistance Agency ( FedLoan Servicing ). I paid off the balance of my student loans XX/XX/2016. Prior to my final payment, I was able to view my payment history and accrued interest on the FedLoan Servicing website. However, after my final payment was processed, my online access to this information was removed, and I was provided the following message, " We 're sorry - the feature you requested is not applicable to your account. '' I was not informed by FedLoan Servicing that this information would no longer be available. 
I recently started my 2016 taxes, and I noticed that the student loan interest received by lender reported on my XXXX form appears dramatically lower than I would have estimated. Since I no longer have online access to my payment history and accrued interest, I can not verify the amount on my XXXX form. I called FedLoan Servicing, and the representative stated that he was unaware that this information was removed following final payment. I requested a copy of my full payment history and accrued interest, and the representative informed me that this information will be emailed to me, but it may take up to 30 days to process the request.
Consumer complaint received 2016-06-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (TX)

This is a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ). A visit to emergency room was covered under insurance and a claim was filed with my insurance company ( XXXX XXXX XXXX XXXX, Texas ). Insurance company requested additional information before they could make a payment. XXXX ignored the information request and reported the account as delinquent to a debt collector. XXXX never sent me a bill of any outstanding balance, nor did they inform me about claim denials. First contact on the balance was from a debt collector asking to pay up the entire amount. When I protested I was told to talk to my insurance provider as if it was their mistake. Spoke to XXXX and they said they have n't sent anything to the insurance company and that my account should never have been marked as delinquent or reported to the debt collector.
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

Hello, On XX/XX/2021, I had ordered accessories from the seller. It is now XX/XX/2021 and I havent received my merchandise. I spent a total of {$1500.00}. I messaged the seller multiple times about this and he had blocked me. He refunded me only {$0.00}. PayPal refused to help me. This specific seller has a history of fraud/scam and I did not know this until recently.
Consumer complaint received 2016-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MN)

I have about {$15000.00} in Stafford Loans that are serviced by FedLoan Servicing. In the past year, I have had a series of negative experiences with this provider. Most recently, I wanted to use part of an XXXX XXXX XXXX XXXX pay off an unsubsidized loan which totaled just over {$2400.00} with unpaid interest included. My education award was over {$5000.00} so I requested {$2400.00} be sent to FedLoan Servicing with explicit instructions that the money first go towards my unsubsidized loan with the remaining amount going towards another loan. They failed to follow these instructions at all, instead applying the {$2400.00} to all of my loans. I wanted the unsubsidized one targeted because it has the highest interest rate. 

This is in addition to enrollment issues I had to work through during the spring and summer. It started XX/XX/XXXX when I received an email saying I would need to start making payments on my loans. This surprised me quite a bit because I was in graduate school, which should have put all of my loans in deferment. FedLoan Servicing told me that they did not have any verification that I was enrolled in school, and that my school 's Office of the Registrar should send in an enrollment verification form. In the meantime, they put my loans on a one-month forbearance. One month later, I received another email saying I would have to start making payments on loans. FedLoan servicing told me that they did not receive the form. My school 's Office of the Registrar confirmed to me that they did, and offered to fax another copy. This copy was not received either, nor was the following copy. Finally, I asked what I should do differently since what I was doing clearly was n't working, and FedLoan Servicing told me I could upload a document directly to my account, which I did and it was processed. This was the exact form my school had sent three times, all of which were misplaced by FedLoan Servicing. 

Overall, I have become rather displeased with the quality of service I am receiving from FedLoan Servicing. It 's to the point where anytime I want to interact with them, I just assume I 'll have to have multiple conversations with customer representatives to work out mistakes they make.
Consumer complaint received 2018-03-20
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. (IL)

I received a car loan through XXXX XXXX in XX/XX/XXXX. They told me my payment would be {$200.00} per month. Once I started making payments, they informed me that the {$200.00} payment was bi-weekly, not monthly. I made all payments on time until XX/XX/XXXX, when I could no longer afford the make the payments. I voluntarily returned the car to the dealership and notified them that the car was in their possession. XXXX then ran a credit check on me, which I did not authorize. They call me 3 - 4 times daily, trying to get me to come pick up the car and continue making payments. I can not afford to. I realize this will damage my credit, but I did not authorize them to do a credit check on me and I was completely honest with them.
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (DE)

I received a XXXX from the mortgage company stating Outstanding Mortgage principal as XXXX/XXXX/XXXX is {$83000.00}. Then my mortgage statement dated XXXX/XXXX/XXXX states principal mortgage is {$100000.00}. Why wo n't the amount be the same.
Consumer complaint received 2022-02-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

On XX/XX/XXXX I received a notice that my chosen renewed hazard insurance was in default and was cancelled on XX/XX/XXXX. I have until XX/XX/XXXX to reinstate this policy. I have tried THREE times to contact Newrez about paying this bill which was sent to them well in advance ( I have a copy of the letter they sent to Newrez in the beginning of XXXX, which I obtained through my online insurance providers account. ) However, after attempts in contacting Newrez I keep getting " disconnected '' due to phone issues on their end. Near the end of XX/XX/XXXX, we received an escrow disbursement, which should NEVER have been paid to us, it should have been paid to cover my hazard insurance ( which at this time I had no idea my insurance was not paid and assumed Newrez handled my funds appropriately ). This is a huge misappropriation of our funds. Secondly, upon investigating further I noticed that Newrez said they " paid '' or " estimated '' my hazard insurance for a total of .XXXX XXXX on my account ( I have the screenshots of my account to prove this ). I feel like they are scheming me ( and possibly others ) into forced-placed insurance by mishandling my escrow and doctoring estimates to be able to justify force-placed insurance which, if true, needs to be handled immediately and forcefully by the appropriate authorities. ( Note : I am not in default on my mortgage either )
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC (PA)

I sent a affidavit to WEBCOLLEX , LLC DBA CKS F telling them i would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : Validation of the debt ( an audit trail in accordance with GAAP accounting principals ) ;
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Credit Karma (NY)

I had applied to XXXX different private companies for a small loan for school tution, all of which required me to add a co signer which I declined. 
XXXX companies ran a credit inquiry twice when I only applied once. 
XXXX and XXXX XXXX. 
As you can see, the dates are XXXX day apart. These inquiries are negatively affecting my credit score, which is not of my own wrong doing.
Consumer complaint received 2016-04-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (GA)

This matter is about a Private student loan ( I am the co-signer for my son, who defaulted on it, so I have been making payments via automated payment through XXXX XXXX for several years now ). 
The loan provider is : American Education Services ( AES ) Current Situation : XXXX XXXX proof of payment copy shows payment sent on XX/XX/2016 ( delivery : XX/XX/2016 ). On XX/XX/2016 I received notice of delinquency on account. I called AES and spoke with operator. They confirmed that payment was received, however it was in " suspended '' status, but they had no knowledge of why it was in this status. They promised to process it. On XX/XX/2016 I checked status to find it still delinquent. I spoke to another operator ( # XXXX ) who re-confirmed the same thing from XX/XX/XXXX. They also promised to process it for payment. On XX/XX/2016 I received e-mail from XXXX XXXX advising that my XX/XX/XXXX payment had been returned. I again called AES and spoke to another operator ( # XXXX ), who also re-confirmed the previous XXXX, but also stated that they did not return the check to XXXX XXXX and still had it. They also promised to process it for immediate payment. I recorded that call and that operator advised that it was an error on AES and that the account was not delinquent ( even though it shows as such and I would continue to receive notices of delinquency ). On XX/XX/2016 XXXX XXXX re-deposited the XX/XX/XXXX payment back into my account. On XX/XX/XXXX, I received another e-mail from AES on account delinquency threatening me with negative credit reporting. I now have proof of payment from XXXX XXXX of my scheduled XX/XX/XXXX payment ( issued on XX/XX/XXXX and delivery on XX/XX/XXXX ). 

I believe that AES is a corrupt organization that uses threatening & devious ( possibly illegal ) tactics to deceive account holders into making additional payments ( by putting payment into " suspended '' status and requesting additional payments, checking account numbers, credit card payment, etc. then releasing the suspended payment ). Their " operators '' have little or no knowledge or authority ( obviously, based on my recent experience ) to solve problems. 

I need urgent help getting the mess created by AES cleaned up as I ca n't seem to find anyone capable or responsible to do so.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (OH)

I currently am experiencing issues with my car loan.I went to buy my car back in XX/XX/XXXX. I needed a car for a job I had just got hired for so I went to a local dealership ( XXXX XXXX XXXX ) in XXXX, Ohio to see what my options were. This was a two day process. The first day XX/XX/XXXX I went to process paperwork to see what bank would offer me financing.The dealership told me my options which were just two vehicles a blue XXXX XXXX   or white XXXX XXXX both used and they asked to put a {$500.00} down payment for the vehicle I was approved for. The bank that approved me was Santander Consumer USA. Out of the two vehicles I chose the XXXX XXXX XXXX. I didnt get to test drive this vehicle or inspect it before purchasing it at XXXX XXXX. Since XX/XX/XXXX I have paid close to almost {$15000.00} in interest towards my car loan with only {$640.00} towards my principal. I believe Santander Consumer USA is charging me too high of an interest rate. The interest rate I was told I am paying is at 23.17 % with an extra daily interest rate of {$7.00} when my states limit of Ohio is 8 %. I will never be able to pay off my car loan at the rate set.I have been working with the company to try to figure out why my payments never seem to go down but actually increase every month. This has caused me a large disadvantage and I need help to resolve this issue.
Consumer complaint received 2017-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NM)

XXXX  2012 ,   I went into    XXXX   XXXX   to discuss options for hair removal. We had agreed to 10 appointments for a total of {$3800.00}. After the first appointment, I declined to continue and asked for a refund of the remaining services. The company offered to have the services transferred to another service instead of the hair removal, however I declined and assumed that I would be refunded the remaining amount. However, as I am now applying for a mortgage, I found that Chase is reporting the debt as a charge off with the amount reflecting past due. I absolutely dispute this as it is a debt for services never rendered.
Consumer complaint received 2015-07-30
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN)

i had gotten a call from XXXX XXXX from florida telling me I wasapproved for a XXXX loan so right then times were tough so I presued the offer after we got the application started they started hittng me with all kinds of fees to which I had to send them over XXXX and still have not received the loan from them. I sent all the money through moneygram. each time I talk to these people they r wanting more money from me. now they are wanting me to send them another XXXX then they said I will get the loan. all I want is my money back