davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NC)

My second submission of my application was denied by XXXX XXXX on XX/XX/XXXX. My credit score was in great shape after my first submission of all required documents in XX/XX/XXXX where I didnt have my mortgage yet nor did I apply for any student loans yet, but my loan servicer American Education Services ( AES ) & XXXX XXXX declined my 1st submission without adequately contacting me directly to let me know there was an issue with one of the copies I faxed since they claimed recently that it was illegible. However I have a confirmation page with screenshots from the fax machine that I used the first time to prove that AES equipment ( fax machine ) was faulty back then. I thought this was settled since my first submission because I was not contacted directly given the fact I have followed up with AES right after my first submission over the phone. This caused my brother a higher interest in his business loan because of your negligence in maintaining your fax machines. Now, the second time I had to resubmit my co-signer release form after I just got a mortgage, andapplied for few student loans for graduate school where my credit score is not as good as it used be  in XX/XX/XXXX when I did my complete first submission. AES is very negligent along with XXXX XXXX, not appropriately contacting the customer via the phone or direct email on a timely manner, which caused my co-signer extra financial burden in his business decision making! XXXX XXXX did hang up the phone on me twice when I tried to explain the issue at hand! When I met the minimum credit standards in XX/XX/XXXX, I never received follow-up or update after my submission. When I resubmitted the second time in XX/XX/XXXX, I received a letter from XXXX XXXX denying my request due to not meting the minimum credit standards. I called their dispute center as indicated on their letter attached below, and I got hung up on twice. Funny business. I will also seek legal advice regarding this matter if I have to since my credit history and my fax confirmation page & documentation are in my favor in this matter! Both XX/XX/XXXXXXXX and American Education Services have more than 300 verified complaints due to their malpractices towards consumers in the following links : XXXX XXXX XXXX XXXX XXXX XXXX There is a a need for regulators to crack down on fraudulent negligent firms like AES and XXXX XXXX .
Consumer complaint received 2023-01-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I am a co-signer of a private student loan with XXXX XXXX who uses FirstMark as their servicing company. My son makes the regular monthly payments while my husband and I make additional payments on his student loans. On XX/XX/XXXX, we made an additional online payment of {$1800.00} and specified that it be applied to only 1 of the 5 notes that my son has. This amount was an exact payoff amount for this specific loan. I even had a FirstMark loan officer on the phone with my husband and me to verify that it was paid in full. The loan advisor said that he could see in my account that the loan was paid off. 

On Friday, XX/XX/XXXX, we were shocked to see from my online account that this loan was not paid off in full but rather our {$1800.00} was divided into 5 payments of {$360.00} and applied to all 5 loans. WHO CHANGED MY ONLINE PAYMENT? We have heard that it is against the law to go into someone's account and change their payments. This is not the first time FirstMark has ignored our special instructions and paid loans not intended to be paid. In fact, this problem has been going on since XX/XX/XXXX and continues today. We have spent numerous hours on the phone correcting mishandling of our additional student loan payments. Corrections have been made month after month but we do not know how much money was lost by their mistakes. Remember, these loans accrue interest daily. My husband and I feel that they are intentionally preventing us from early payoffs of targeted loans. We are frustrated but will not be deterred from meeting our goal of paying off our son 's student loans early.
Consumer complaint received 2020-09-22
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: Experian Information Solutions Inc. (AZ)

Experian lowered my credit by almost 70 points for a credit check I never authorized from the XXXX Bank I do not bank with XXXX, and I never asked XXXX Bank to conduct a credit check with my credit. 

I contacted the XXXX bank about a few months ago, and some lady informed me that someone tried to apply for an XXXX Credit card on the XXXX website in my name. 

When I contacted Experian, and sent in all requested documents with a complaint form asking them to fix this problem and the credit application I never applied for. 
They asked me to send in a complaint form, copy of an existing bill with my name on it, copy of a government I.D., and a copy of the credit problem or error. 
Their version of fixing the problem was raising the FICO score by 2 points. 


They refuse to fix the problem, and I can not get through to anyone over the phone anymore. 

Experian has allowed an unauthored use of my credit report for a credit check I never asked for. They have not fixed the problem with the false use of credit or credit application is reported to them! 

I feel Experian obviously does not care about people. 

Most of all Experian refuses to divulge how they calculate FICO scores for people. 
I believe there is some kind of corrupt practice Experian is using against people!
Consumer complaint received 2017-08-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I am an HSBC Advance Credit Card holder. Recently, my husband has experienced loss of work, so we have been late on our bills. I work for the XXXX so my husband of XXXX yrs and I are doing our best to make ends meet. I have been the owner of a single family home in XXXX, NY for 20 yrs and have never missed a house payment and never paid a late fee until recently ( only once in 20 yrs ). Unfortunately, during this stressful time, my other bills get paid a few weeks late or I set up future payments to different companies. I understand when an account is suspended, and typically return them to good standing as soon as I am able or by the next billing cycle. I am not in default on any loan or credit card. I have never filed a complaint with any agency in regards to any credit card issues before today. In the last several months, I have received on the average of 17-19 calls per week from HSBC. In the last 6 wks, I have paid them on 3 separate occasions which equals appx. {$500.00}. On XX/XX/XXXX, I  paid them XXXX. The following day, I received 4 calls from HSBC. This is harassment.  They call before XXXX and as late as XXXX and even before XXXX on Sunday mornings. I asked a representative to 'cease and decist ' from the constant onslaught of calls to my home. The calls continue. At present my phone has recorded 15 attempted calls from HSBC between XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2020-09-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NJ)

Tried refinancing my mortgage with my current mortgage company, XXXX ( recently acquired by Freedom Mortgage ). I was told by both the loan officer and loan processor that I can use my payment from XXXX towards the closing costs of the loan. We closed on XX/XX/XXXX, the loan processor assured me that no payment was needed to be paid for XXXX as my loan was going to be funded and would cover any outstanding amounts. On around XX/XX/XXXX, I received a message from both the loan processor and loan officer saying that I was not going to be able to refinance my loan because the loan didnt fund on time and I had a late payment on my account. They reported XXXX as late to the credit bureaus, lowering my credit by over 80 points. I was also told that I wouldnt be eligible to refinance my loan for another 6 months. I spoke to one their VPs and he assured that they would fix the mistake as I had followed all their instructions and it was their fault that this problem had happened. They removed the negative mark from credit report and assured me that we were going to be able to go through with the refinance. I filled out all the paperwork for the new refinance and was waiting for a new closing date when yesterday I received a message from a new loan officer saying that they will not honor their promise to allow me to refinance because of the missed payment in XXXX.
Consumer complaint received 2020-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted Transunion multiple times about the fraudulent inquiries on my account, I have sent them an FTC report, and still they do not try to help me or provide any resolution.
Consumer complaint received 2017-08-10
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Windham Professionals, Inc. (TX)

My wages have been garnished, by XXXX XXXX XXXX contracted thru E.D. gov. Unfortunately I was never notified of the garnishment process, or given the chance to dispute or voluntarily offer repayment, agency claims they sent a letter in XXXX of 2017, I honestly know that I did not receive a letter, actually I never even received a warning of garnishment from my employer either. I feel I was not offered a chance of repayment arrangments now that I 'm able and employed to do so, the Education department states that the agency will make numerous attempts to collect the debt or make options available, but in my case they did not, and I feel that they make false attempts and skip straight to garnishment process so that they get their money with out the process of making options available, so in reality they fraud the Education department with their claims of attempts to collect and they fraud people like me by not notifying me or giving me the chance at repayment options before consuming 15 % of my pay, I take the blame for being in this situation but still I was shafted by the process.
Consumer complaint received 2017-08-10
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. (IL)

For years I have been battling all three credit reporting agencies to have child support account deleted I do not owe child support ; this account does not belong to me and further more child support cases do not have contracts, amounts owed for services or product. I have written, called, email and went into child support office as well as all three credit bureaus to get this account removed from my credit file.
Consumer complaint received 2017-08-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (KS)

Speedy cash claimed I made an account with them in 2013. In 2013 I was able to receive any items like that because of the interest rate and because I was a military dependent which they are not suppose to give payday loan. Neither did i apply for it.
Consumer complaint received 2020-11-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

I PRESENTED WHAT I WAS TOLD I NEEDED TO, IN ORDER TO CANCEL MY AUTO INSURANCE WITH USAA. ( AUTO CANCELLATION FORM FROM XXXX XXXX XXXX HOWEVER USAA IS NOW TELLING ME I NEED TO PRESENT A DIFFERENT FORM IN ORDER TO CANCEL MY AUTO INSURANCE, YET THEY DON'T HAVE THE FORM. 

ALSO, PREVIOUSLY, WHEN I HAD AN ACCIDENT, THE DAMAGE WAS QUOTED {$1400.00}, BY THE USAA EXAMINER, YET THE VEHICLE WAS WORTH {$3000.00} AND THEY CHOSE TO CALL IT A TOTAL LOSS AND SALVAGE THE VEHICLE AGAINST MY WILL. I WAS FORCED TO SELL THE VEHICLE AT A LOWER THAN MARKET VALUE. 

KIND REGARDS, XXXX XXXX
Consumer complaint received 2022-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (NY)

I applied for a loan through Discovered and was conditionally approved after a credit check for a {XXXX}. I was told to provide bank statements, proof of address, ID, and social security card. All documents were provided except for back of ID. I was contacted by a representative and told we just need the back of my license to move forward. Once that document was provided the loan was Approved and I received emailed with my loan documents. I reviewed the loan documentation and decided to wait one day to review it with my husband. The next day we went into the portal to sign, and the application and it showed were decline after full approval and verify documents. We have spoken to several representatives, including supervisors and managers, over the course of 3 days and no can tell us why it was decline other than " unable to verify information '' and the reason was proprietary. No specifics and recourse to help us understand what happened. Several representatives stated they dont know why the loan was decline as everything was ok and documents were reviewed. I feel as though Discover has discriminated against me after getting my ID and decided to decline the loan for no apparent reason.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

Chime Mobile Banking app provides a service in which their customers may get their pay two days early. While this of course is a privilege and not a right, it is my right to have my money deposited into my account by the end of payday. This has not happened, it is the weekend and no banks send out direct deposits over the weekend so I have to wait until Monday and theres no guarantee that it will even be here by then. I have bills to pay, mouths to feed, we all do, and Chime Mobile Bank is running a scam. They are not being honest and consistently give customers the runaround when they are contacted.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

I have tried disputing this account with XXXX XXXX and Equifax along with original creditor because account is a total mistake itself. Account has been stating as an installment type when original and true account type is a secure loan. Loan was granted with collateral. Accounts open as XX/XX/XXXX by XXXX XX/XX/XXXX by XXXX and Equifax with a status of derogatory by all three bureaus with a balance of {$8500.00}. Account was reporting date of last payment incorrectly stating XXXX XXXX as XX/XX/XXXX while XXXX reported XX/XX/XXXX and Equifax report at XX/XX/XXXX. Payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by Equifax when Equifax was reporting date of last payment XX/XX/XXXX while XXXX was reporting payment history with consecutive charge off as if it was some sort of payment method. Account status is now stating as closed with a balance of {$10000.00} with XXXX XXXX and Equifax. How did balance change this much?! date open has changed from XX/XX/XXXX to XX/XX/XXXX with XXXX and Equifax. Now, removing all data from date of last payment and deleting payment history with Equifax changing OK as agree with charge off all the way from XX/XX/XXXX to XX/XX/XXXX recording payment as OK on XXXX and XX/XX/XXXX. This is impossible if account has been closed! Account can not report payment XX/XX/XXXX and XX/XX/XXXX and not record payment on date last payment especially if account is closed. Account is now stating date last active as XX/XX/XXXX by XXXX and XX/XX/XXXX with XXXX  while Equifax reports XX/XX/XXXX. Ive asked bureaus for method a verification showing where they are getting information from as information is obviously stating incorrectly but I have not received anything on their end. There is no possible way that all three bureaus can be correct if information is coming from the same XXXX XXXX  account as a total mistake.
Consumer complaint received 2021-10-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.
Consumer complaint received 2017-07-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On  XXXX   XXXX ,2017 Transunion received a dispute ( via   XXXX   XXXX   ) from me regarding a collection item  XXXX   XXXX   XXXX   XXXX  (   XXXX   XXXX   XXXX   ) for the amount of {$5000.00}. Transunion took 51 days  XXXX   XXXX ,  2017  to give me an update. During the 51 days they never asked me to provide them with additional information or documents. I am requesting that you look into this because I believe that my consumer rights Under the Fair Credit Reporting Act were violated since it took them over 30 days to respond.  " Reporting Agency has  to review and respond to every disputed item within 30 days or remove item being disputed. '' I respectfully thank you for looking into this and having the above item removed from my credit report.
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NC)

Mortgage with USBANK : paying mortgage and addition escrow and principal wouldn't show correctly and error in mortgage and bank reporting to credit agency is paid morgame or late payment show up missing payment in credit report.unpaid mortgage amount adjust with escrow and payment of extra amount doesn't change or effect in mortgage payment, it's should be less payment every each year after paying month to month payment and additional escrow.my premium has to reduce after paying all tax and home insurance XXXX and XXXX now payment missing or cash by us postal employee or stolen or bank cash check and doesn't post credit back in XXXX and XXXXpaid four check for individual principal, home insurance, p.tax, escrow they will count as is unpaid amount when split payment with 4 check, when writing business check when check book out of stock they didn't post credit in principal.principal amount has to reduce after 3 year it ; s change about thousand ... XXXX i had a about XXXX over paid in XXXX and tax was about XXXX they wouldn't refund XXXX
Consumer complaint received 2021-07-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

I initiated contact after receiving settlement letter. Prior to making payment to the agreed amount, I asked if this would be removed from my credit. I was told that after the payment was processed, the collections agency will update the bureau to have the account removed. After a month when the account wasnt removed, I called to follow up and I was told they dont remove the account off the credit. I explained my situation and what I was told, without any help. I disputed the collection with all three bureaus with no success. Please help me, I feel deceived and helpless.
Consumer complaint received 2017-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit has continued on several occasions to ignore repeated written requests for proof of documentation that were sent via mail and has violated federal laws by not responding to my written requests via mail. I have reported the creditor to the Georgia State Attorneys office for violating both state and federal laws.
I have notified the creditor several times that this debt is not valid and a error was made on the part of the original creditor. The original creditor removed this debt from my report due to their error and has sent me a letter in writing notifying me of the removal of the debt. Midland Credit has willingly reported a debt they know is not valid and has failed to contact the creditor regarding the debt. I do not owe XXXX XXXX XXXX and Midland refuses to remove this debt knowing it is not valid.Also, Midland does not have the consent of XXXX XXXX XXXX to report this debt.
Consumer complaint received 2017-08-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (AL)

On XX/XX/XXXX Allied Collections falsly reported a debt to my credit from a company called XXXX XXXX. I have never taken out a loan with this company. I have never heard of this company, and this report on my credit is malicious and fraudulent. It is not a mistake because just last month they falsly reported an invalid debt by XXXX XXXX online to my credit. Now they have removed the XXXX XXXX  debt and posted this debt to my credit. They have reported the XXXX XXXX debt on my credit twice. The same debt has been reported two times which is illegal. This is fraudulent! Please help, this company is harassing me and intentionally ruining my credit.