davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (LA)

we have an account since XXXX with best buy, never being an issue.The account being in good standing since than and until XXXX ( 13 years ) XXXX find out : the account unexpected and suddenly was close by Best buy with no warning/notification or reason/ before closing an account in good standing since XXXX XXXX until XXXX XXXX XXXX XXXX find out in Best Buy store when trying to make a purchase & the system give errors.A store asociate call the main number Best Buy, that " the acount was close, suposely for " Inactivites ''. i said i dont understand never was late, nobody give anywarning that the acount will be close for " inactivites ''. Ask the store asociate to call back because maybe was a mistake, as I made a last purchase in XXXX. The second call to main Best Buy number phone operator say she can not see the reason why was close, to connect me to someone else. for unknow reason the phone was disconect ( me being in the Best BUy store talking from they phone line. Calling back ( 3time ) a person said that the acount was close for " sever delinquency '' from XXXX ''. i said the acount since XXXX never was a problem and is in good standing, evrything is payed, teling me to apply again and haresting me if i remember in the contact saying that Best Buy have the right to close the account if in XXXX showing up " serious delinquency '' i said no was any warning any notification of what you doing.i dont remember is long time ago, but to send me the contract where is saying this and the XXXX no have nothing to do with best buy acount in good standing.him refuse and told me to give me someone else over the phone. someone else saying the same asking to send the contract refuse, asking to restore the account refuse.Told him that i will make an complaint to XXXX and FTC, him don`t care.There was NOissues with the payments, the payment was law of XXXX $ XXXX, no was any financial treats to them, no legitimate reason to close the account after 13 years.I dont know what they doing when close the account, what lying they put on XXXX. don`t speak very well english. Best Buy perversely closing the acount without any legitimate reason, as the account was in good standing for 13 years, knowing that if i reapply again i will be rejected. they don`t have any legitimate reason to close and account in good standing, just because someone have a bad credit, creating more problem to this person credit score, by closing the acount. what i am disputing is the " unlawfully closing the account. ''
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (WA)

I tried to get my annual credit reports Monday XXXX XXXX, 2015. I was asked by the site " Annual Credit Report some question, most I think I answered correctly but when I pressed the next button, I was told my credit reports would not be fort coming. I seems that I did not answer all the answers to the computers liking. 
Many of the questions were really strange to me, such as what county 's have you lived in, I have lived in the county I now live in for over thirty years, one of the other questions was what make of car or cars have I owned. the County one got me for as you can see I have been in the county for over thirty years. 
When asked the questions that I was asked by Annual Credit Report, I am not sure what they want, since the really have no idea about me. They may try and lookup some information, but that does not me it is correct information, or that they have on their computer the correct information. 

I tried to call them but was unable to find a direct contact number where I would be able to talk to a live person and get this problem resolved. At the same time I tried to contact equifax and experian to talk to a live person, but constantly got told to go to their websites. 
I was able to contact XXXX XXXX an talked to a live person, and they told me that they would send a hard copy for both my wife and myself. 
At this time I feel that the Company that all three of the major credit reporting companies " XXXX, experian, and XXXX should be shut down, if I am having this much trouble trying to get my Annual Credit Report. 

Sincerely : XXXX XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  # XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have inquiries that I didn't authorize and don't recognize. I called the reporting agencies who and they are saying I need to file a dispute with CFPB. I am doing so no Transunion 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
Consumer complaint received 2017-01-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CO)

Midland Funding LLC filed lawsuit to collect debt, but did not attach any proof that they can sue for debt when they filed the lawsuit. 

Additionally they violated XXXX CONSENT ORDER, Section XXXX, Subsection a, b, c & d. Section XXXX, Subsection a ; XXXX, XXXX, XXXX, XXXX. 

The lawyer repeatedly telling me I would have to pay all fees if I elect my right to consumer arbitration & lose & that I would be acting in bad faith if I do elect my right for arbitration.
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of identity theft and had an unlawful inquiry reported on my credit. Transunion, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. I have already filed an identity theft report with the Federal Trade Commission and have sent a copy of the report in the mail to Transunion. Remove and delete this inquiry off of my credit report : XXXX XXXX XXXX
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: STERLING JEWELERS, INC. (PA)

I have a sterling inc account with bot Kays and Jareds for almost 2 years with no missed payments in this almost 2 year time frame.I was in a Jareds store and trying to do a purchase for a ring which was said to be a layaway on this ring, So the associate updated my address and called Jareds and did a unauthorize pull of my credit also.My Jareds account was closes which I was find with.So upon going to Kays store to purchase my husbands anniversary ring, I was told my Kays account was closed also.So the store called and they said it was due to high balances on other accounts, but I have had high balances when the account was open .I have also noticed in many of the sterling inc stores which I visit locally and in other states there has kind of been some discriminating from male associates and managers ever since this lawsuit came about for the sexual discrimination among the company as well and feel this has now reflected back to the female customers in some ways or others, because I have seen it with other consumers while i these stores.I have also noticed Sterling inc adds on protections plans with consent from the customers as well.Cause I have denied it several times or more and found it was added on anyway to my account, but it was adjusted.I didnt bother filing a class action at that time and have remain a loyal customer with good payment history anyway.Maybe I should have not been so nice, because I seemed to be getting treated unfairly in many ways and feel part of it is due to the current suit against sterling inc for discriminations against women.
Consumer complaint received 2016-04-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (FL)

I had XXXX separate private, student plus loans, through XXXX XXXX XXXX. XXXX loans are current and never carried a missed or late payment status. XXXX loan carrier a $ XXXX balance at 2.5 % AND the other loan a $ XXXX balance at 7.3 %. I saved the money to pay off the 7.3 % Loan. The payment was made with sufficient documentation to direct payment to the correct outstanding balance and credit the correct loan for repayment. The payment was $ XXXX directed to the 7.3 % loan. Instead the payment was redirected to the lower interest rate loan and the over payment only was credited to the higher interest rate loan. I contacted the current loan servicing agent ( AES ) American Education Services and they indicated the correction would be made but with the next loan statement the loan crediting error still exists. I am now writing your organization formally writing the agent AES to demand the loan payment correction be made.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Hello,

Around XXXX  of XXXX if my memory is correct, Chase Bank XXXX decided to close my checking account for no reason. They wouldn't ever want to describe a reason over the phone or in person. Until today I have no idea why it has happened, later around XXXX XXXX I decided to retry opening an account since I had done nothing reasonable for them to close my account but that didn't work I couldn't open a new account then I attempted again online on XXXX XXXX XXXX  and that still resulted in a error message saying they can't open an account for me. Currently, I am a university student seeking to get a student bank account at chase. Please help me resolve this issue.

Thank you.
Consumer complaint received 2016-08-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: National Enterprise Systems, Inc. (MS)

I obtained a small student loan ( less than {$3000.00} ) from XXXX XXXX in XXXX. The loan was owned by Navient until they sold it to National Enterprise Systems due to my inability to make the payments due to financial hardship. After being repeatedly harassed by NES ( threatening voicemails, repeated calls throughout the day, etc ), they finally agreed to a payment plan of {$50.00} a month to be automatically deducted from my checking account. That was in XXXX. I reauthorized the payment plan with a NES representative in XXXX. I last received my monthly statement from NES in XXXX for the XXXX payment. I have n't received any further communication from NES or Navient and my XXXX payment was never deducted from my account. Now, my father just discovered my loan under his Navient account in my name. It seems that Navient now has control of my loan again and is demanding payment. I was not notified that there was a change being made to my repayment agreement. Plus, I had no way of knowing since it is my father 's account and I do not have access to it. I called NES and left a message earlier in the week and left a message but no one has bothered calling me back. This is unfair to me and violates the agreement I had with NES. Someone from one or both of these companies should have contacted me and they have no right to put my loan on my father 's account. That is a violation of my privacy and prevents me from accessing my loan. I believe I have been mistreated by both companies and I am seeking a resolution to this problem. I have never missed a payment since I entered the repayment agreement.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

The COVID caused my company to be shut down on XX/XX/2020 which left me unemployed. Synchrony bank knows of what happened since XXXX as I have ben keeping them abreast of my situation. I was also given extensions every 90 days. 

On XX/XX/XXXX, I was given a notice that my account was being closed and my credit was being destroyed by them. I attempted to speak with someone to explain the law and how the COVID rules should be enforced in which I was told to XXXX XXXX and we ended up in a shouting match with not one but 2 reps. They then both told me too bad and my account will stay closed. 

As a precaution I contacted the company who uses this as their main card Discount Tire who was very nice but in shock as they were not aware that Synchrony was closing their customer 's account without their knowledge.
Consumer complaint received 2017-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TN)

Prior to a divorce, I was unaware my spouse was not paying on the loan. After separation, the loan company called me and basically threatened me. I turned in the required documents that they sent me. I asked them to send the documents to my spouse since most of the loans are hers. The company told me directly they sid not care abour her. I was rhe primary signer and rhe note and she was secondary. After completing and sending the info in, I received notice about 30 days later that I had defaulted. It took me a year, but alone rehabilitated the loan. I was told that after rehabilitation, the penalties would be erased. That never happened. Last yea r Navient sent me information about loan payment that is impossible to pay. After dealing with them for over a month, I qualified  for the income driven plan. My now ex-wife of 5 years is non-compliant. She has refused any attempts yo dealing with the student loans because of the divorce settlement and the fact that I am the sole name on the front page of the note. I received a letter from Navient stating my loan was in 45 day forbearance due to me having to recertify my income. They told me my Loan is on hold because they are trying to get my ex to respond. After she did not respond, last year they certified me. This year they said that the certification last year was a courtesy. This year they will not honor it and they are now going after the ex. My complaint is I have not talked to the ex and now they asked me to get her or her attorney to contact them. They said if she does not respond, this will affect, me, my credit, and the status of my loan. I asked them to send me a copy o f the MPN. Theybsaud they do not have or never of had one. Thwybwant me to send them my copy of the MPN. I ca n't find this document. Yesterday  I sent copy of m y 2016 taxe s again. I sent them again after sending them in  XXXX . I am trying to pay the loans. Replaced them in forbearance without my authorization and have no record to prove to me the terms of the loan and who is on the loan.
Consumer complaint received 2019-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

I reapplied for my income driven repayment plan on XX/XX/XXXX. As part of the application, I was asked whether I wanted to renew my existing plan or to apply for the lowest payment plan. I selected the latter, and the XXXX website indicated that I would be contacted by XX/XX/XXXX regarding my application. This did not, and as of XX/XX/XXXX has not, occurred. 

In mid-XX/XX/XXXX I received a bill for the full amount of my payment. After three calls to XXXX, one on XX/XX/XXXX and two more on XX/XX/XXXX, I learned that because I had selected the lowest payment option, I needed to make a qualifying exit payment before my IDR  application would be processed. Although the qualifying exit payment could be reduced to XXXX dollars, it was then too late to process the request for XX/XX/XXXX. Thus, I forced to go into forbearance for XX/XX/XXXX, and make the exit payment in XX/XX/XXXX. As part of this process, I was instructed that I should suspend automatic payments, which I did. I telephoned XXXX again on XX/XX/XXXX to confirm that there would be no further problems. 

At first, it appeared that the problems had indeed been resolved. I received the expected bill of XXXX dollars for XX/XX/XXXX. Since my automatic payments were suspended, I made the payment manually. Unfortunately, there was some problem with the bank, the exact nature of which has not been explained to me, and the payment had been rejected. Thus, on XX/XX/XXXX, I called XXXX yet again and made the payment. The XXXX representative also told me that my IDR  application would be processed in approximately twenty days. 

One week later, on XX/XX/XXXX, I received an email informing me that my loan application could not be processed, and that a letter would be sent with further details. As I was traveling, I was not able to call regarding this new issue. One day afterwards, this morning, I received another email informing me that my application has expired because, quote, we needed additional information from you to fully process your request, unquote. 

This statement is completely and unequivocally false. At no point in the past three months has XXXX requested any additional documentation or information, despite no less than five separate phone calls to their office. Indeed, XXXX representatives told me, repeatedly, that the delay in processing my application was solely the result of the need for the exit payment. XXXX representatives also told me, repeatedly, that the processing of the application would not even begin until the exit payment was made. That payment occurred on XX/XX/XXXX. There is no possibility that they required additional information prior to that date. 

As a result of XXXX 's incompetence, I have lost qualifying PSLF payment periods, for XX/XX/XXXX and XX/XX/XXXX. I have no doubt that I will also be forced to go into forbearance in XX/XX/XXXX.
Consumer complaint received 2016-01-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (AL)

I have applied for a Home Affordable Modification Program ( HAMP ) to my mortgage. I have faxed all the required documents exactly as requested by Flagstar bank and was contacted by XXXX XXXX XXXX with a request for Thirty days consecutive pay stubs ( Emails are attached as proof ) to complete my application package. Ive sent those documents to her however I received mail from Flagstar requesting some of the documents that were sent in with the original package. 

I have applied for a HAMP in the past ( XX/XX/XXXX & XX/XX/XXXX ) and was met with the same issue. I was asked to provide documents I had already submitted to which I complied only to be asked for different documents that were also part of the original package submitted. This went on until my 30 day grace period was up. 

It is my belief that Flagstar is intentionally delaying the HAMP application process past the 30 permissible days.
Consumer complaint received 2015-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC ()

A Debt Collection Notice was sent to The head offlce of the company I work for by Allied Interstate LLC. 
The head office of my company is not even in the country I live. 
The Debt is for an XXXX account. The amount is $ XXXXXXXXI have never used XXXX or even created an account, so I am positive this debt does not belong to me. This seems to be a Phishing scam by Allied Interstate LLC. Their company history seems to indicate that must be the case.
Consumer complaint received 2017-01-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

We have a mortgage loan with DiTech that was originally with Green Tree. We were in Bankruptcy chapter XXXX for 5 years but made payments to Green Tree and DiTech on our Home Loan. During the five years we never defaulted or closed this loan but Ditech is reporting that the loan is closed on our credit reports. Our bankruptcy was discharged and completed in XXXX XXXX and Ditech will not take us off bankruptcy and continues to report us wrong on our credit reports. I have contacted Ditech at least 13 times over the last years requesting that they take us out of bankruptcy status and report our loan correctly. I have sent them online emails and over the phone and every time they continue to tell me it is under review and will take XXXX or so days to audit.. This has happened for the entire year of XXXX and I can not get them to take the Bankruptcy off our account and report us fairly. Every time I call I get sent directly to their bankruptcy department. Their reporting us to wrong on our credit reports has caused us trouble in getting new loans for home improvement job to replace our XXXX through the XXXX program because DiTech is reporting we had a default and loan closed when we never had an interruption in our loan. After a year of trying to get them to report my loan correctly I have no other means but to try and file this complaint. I am attaching the three times I tried using there messaging system to contact them.. The other ten times was over the phone throughout the year. I have read many complaints about this company and feel they are trying to hold my loan hostage in reporting correctly to credit reports which is having a negative effect on my score.
Consumer complaint received 2017-02-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Comerica (MI)

I work at a XXXX. When trying to order a payoff for a Comerica HELOC ( we had signed authorization to fax ) we were told by customer service that they will no longer provide payoffs to 3rd parties on Equity loans regardless of signed authorization from the borrower. We then asked the seller to obtain the payoff for us. When he called the lender, they told him they could not fax a payoff and would only provide it by mail and it would be 5 day turn around time. The seller then went to a branch of Comerica to try and speed the process up. They told him verbally the payoff amount, but would not print a payoff statement and told him they would mail it to him in 7 business days. I 've been in XXXX since 2000 and I 've never had this problem with any lender.