davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CT)

I run a small social service company and for about two years I have been told I qualified for XXXX towards my student loans. This year I was told I did n't qualify because we are not Non-profit. We service the states XXXX department, and local tribes and families that have children with XXXX and severe XXXX XXXX. I do n't understand why all of a sudden we do n't qualify. The description says non-profit or social service. 
This is also bothersome because my workers that have student loans start to think about leaving because their loans do n't qualify as well and leaves a small agency like mines struggling for qualified workers. I have contacted XXXX numerous times and they are of no help.
Consumer complaint received 2017-02-28
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Army and Air Force Exchange Service (TX)

I got a notice in the mail yesterday saying they are going to garnish my wadges and collect any money I am getting back from my taxes or Government. I never recieved any other letters prior to this. No one tried to get ahold of me or anything before this letter. It is unfair and I could have set up a payment plan before all this happened. I called them and they said they will take all our taxes unless we pay the total amount right now.
Consumer complaint received 2024-05-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NCD Financial, LLC (MI)

On XX/XX/XXXX, I received a statement via email & a notification of a balance of {$59.00}, from payments past due from XXXX, XXXX, and XXXX of XXXX. 
I called the customer service number from their website to gain access to an online account through NCD Financial, to view these statements. The was an incredibly difficult process. 
The payment history from NCD Financial when accessing this online account shows regular payments made from an unrecognized bank account from XXXX. I do not recognize the payments listed. The personal information associated to this profile with NCD shows my correct address and contact information.

I requested to close the NCD Financial account and it still show on my XXXX report.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021, XXXX XXXX XXXX sent a message to me saying they were having technical issues with logging into my account. That was fine ; I pay this card balance in full every month. I had just sent a {$550.00} payment on the account on XX/XX/XXXX paying it off. I purchased gas for {$45.00} on the XXXX, and that was the only charge in the billing cycle. 

Today, XX/XX/2021, I received multiple notices from credit monitoring services that they had recorded a severe delinquency in my XXXX account, for {$45.00}. The balance is not due for another two weeks, but I paid it today anyways. XXXX is reporting that the {$45.00} is more than 120 days delinquent. 

I received a credit line increase on a different account today as well, in concurrence with my score drop. I find it highly likely I would have been approved for a higher limit increase had my credit score not been dropped erroneously by 40 points. 

Trying to call the company for assistance results in waiting on hold for hours while a message says they will help you in 30 minutes.
Consumer complaint received 2021-03-29
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. (IL)

I have sent Numerous notices to Equifax, XXXX, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & are in error that need to be delete from my credit report.
Consumer complaint received 2018-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc. (CT)

I received an alert on my credit report that an collection account with RGS FINANCIAL was added to my report. I reached out to the company and they advised it was for XXXX. I informed them that the account does not belong to me as i have never done business with this company. my information was used fraudulently to open the account which is why i have an credit alert on my credit report now. This account needs to be removed from my credit reports ASAP
Consumer complaint received 2018-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Navient is the company that has my student loans. Since 2013, when I was medically declared XXXX, I've been dealing with Navient for student loan forgiveness. I qualify for student loan forgiveness. I've submitted the required and necessary information to Navient several times, each time being told I've been approved for student loan forgiveness, only to receive a phone call or documents in the mail from Navient stating my paperwork submissions are incomplete. I've ensured each time that I have the correct Navient paperwork, verify what the incomplete portion is needed, go back and complete the same paperwork according to the same standards multiple times that even my doctor is tired of filling the same documentation out that he is now charging me {$350.00} to fill it out. This paperwork is the same each time, I'm told each time that I'm approved and it's formally in the process for forgiveness and then each time told my application and required paperwork is incomplete and Navient has me redo the exact same paperwork. This is a circular game. This is now on my credit report and I'm receiving threatening phone calls and notices from Navient AND the Department of Education stating they will garnish my wages ( which are non existent because I can't work ), withhold my taxreturn etc
Consumer complaint received 2018-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

I have a mortgage with Caliber Home Loans , Inc . I pre-paid a portion of my property taxes for XX/XX/XXXXin XX/XX/XXXX. I called Caliber in advance of doing this, and  they said that they would adjust the escrow if I sent them a copy of the cashed check and the receipt for the payment. They also confirmed in an email on XX/XX/XXXX that these two documents were all that I would need to provide. I sent the required documents in on XX/XX/XXXX, but my escrow had not been adjusted, so I called them on XX/XX/XXXX.

On XX/XX/XXXX, they now said they need a new tax bill  from the city before they can adjust the escrow payments. This was never told to me previously, and the city will not issue adjusted tax bills until after XX/XX/XXXX. The tax payments in my escrow account include Caliber 's  estimates for my future tax payments. They need to deduct the pre-paid amount from their estimate, since this is the amount that I have pre-paid and it will be automatically deducted from my next tax bill. Having a copy of a future tax bill is not relevant, as it is not material to the amount that I have already pre-paid - I am only asking them to credit my escrow by the pre-paid tax amount. By continuing to collect for these tax payments, I am effectively being billed twice for the same payments and Caliber is being unjustly enriched by collecting this money.
Consumer complaint received 2021-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (IN)

Order placed with XXXX XXXX XXXX on XX/XX/2020 for item advertised as in-stock. Debit card charged for {$400.00}. Item not received. Tried to contact vendor who is unreachable. Please see complaints against XXXX XXXX XXXX on XXXX. 

Vendor claims on website that he is one man operation and Covid has slowed things down. So it took me awhile to realize that the item was not going to be delivered and that the vendor had scammed me. 

Filed dispute with BMO Harris. Ref # : XXXX Bank denied claim since I authorized the charge. I only authorized the charge if the vendor provided the item.
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MA)

I bought an XXXX computer on a promotional rate with a Barclay Credit Card. It was a program set up through XXXX. <P/>When I did the promotion I received a general credit card to use anywhere as well. <P/>I 've been paying monthly payments for more than a year and was recently shocked to learn that very little went toward paying off the promotional rate. I thought they were applying some of my payments toward this but turns out they were not and they say they did not have to until the last two months of the promotion.
<P/>I 'm quite confused about when I make payments how to make sure it goes toward paying off that promotional purchase. I can not figure out how much of each of my payments is even allocated to paying it off. <P/>The promotional rate ends in early XXXX and I 'm still trying to figure out how I can pay it off. <P/>The promotional purchase is roughly {$1000.00}. The total amount I owe on the card is {$4000.00}. <P/>I want to make a couple of payments between now and XXXX so it 's paid off. <P/>I feel this is very misleading. I have another promotional purchase card with XXXX XXXX and they are very upfront about the payments and applying it to the promotional amount so you are not charged back interest. <P/>I feel this is very misleading and sets consumers up to fail and owe the bank all the interest from date of purchase.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (IN)

checksysytems is reporting negative information that should not be reported any longer which is prohibiting me from obtaining the products and services I am applying for. i applied for an account with dcu and was denied the account due to information that was reported by checksystems and when i spoke to checksystems they are telling me that there is nothing stopping me from obtaining the account so at this point I got my consumer report from checksystems and cant see any reason why i would be denied but they are also not trying to assist in correcting the problem but the inconsistencies on my report are old and should be removed so my score and report can reflect properly.
Consumer complaint received 2021-09-07
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: Navient Solutions, LLC. (MI)

From the years of XXXX Department of Education/ Navient has reported on my consumers credit report late/non payment which is against U.S. Code 15 1666. I did not give Department Of Education/Navient my written consent or permission to do so. No consent is identity theft!
Consumer complaint received 2020-06-24
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: CREDIT ACCEPTANCE CORPORATION (TX)

Yes the account in question was closed and when COVID 19 hit they reopened it so they can file a disaster on the closed account. This account is 7 years old. It is with credit acceptance
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

The major credit reporting agencies currently charge consumers for a credit freeze. 

It is unconscionable that these companies use our personal information without consent, and do not properly protect the data in their care ( see the recent Equifax breach ), and then charge us to freeze our credit reports. 

All credit report freezes/unfreezes should be free, especially in the light of the recent Equifax breach that put 140 million people at risk of identity theft. Credit reporting agencies should n't be able to profit off of their own negligence by charging their unwitting and unwilling consumers for a credit freeze/unfreeze.
Consumer complaint received 2022-09-08
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$28000.00} Late/Open Late Date XX/XX/XXXX
Consumer complaint received 2015-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: N.A.R., Inc. (TX)

I noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.
Consumer complaint received 2017-07-06
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. (GA)

On or around XXXX XXXX, XXXX, I contacted Equifax and XXXX in regards to unauthorized inquiries on my credit report. I was advised by both bureaus that I would have to reach out to the reporting creditor and request that they submit the corrections and i could also submit documentation from the creditor validating my complaint. That same day I called XXXX XXXX XXXX  and advised them that the inquiries in question where unauthorized.XXXX did not hesitate to submit a request to the credit bureaus for correction. They also mailed me a letter to confirm they had made the necessary corrections and advised to allow up to 30-60 days or so for the corrections to be updated on the impacted credit report. Upon receiving the letters from XXXX, On, XXXX XXXX, XXXX, I submitted them to Equifax and XXXX for review and correction and I waited. On or around XXXX XXXX, XXXX, I contacted the bureaus again after not receiving any documentation or corrected copies of my dispute. I was advised that no dispute had been submitted from myself or XXXX. I advised that I faxed the information to the number given on the previous call and I included proof from XXXX. After going back and forth, I contacted XXXX again and advised of my conversation with the bureaus and how they advised that no correction had been received. XXXX ensured that they had in fact submitted the correction and assured they would submit it again. Once again they mailed me another letter confirming this process and advised that they would escalate my concern. To date neither bureau has replied. Nor have the corrections been made. This is a direct violation of my rights to have correct/factual information reported. The inquiries are listed below : XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX ( Equifax ) XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX ( Equifax ) XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I have disputed a lien in the State of California to Transunion, XXXX because the lien has been satisfied and released but only XXXX has changed the status on the credit report to reflect the true status. Transunion refuses to change to the correct status. Copy of the XXXX change is attached.
Consumer complaint received 2016-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (TX)

I have sent this collection company several letters to validate this debt and they still have done so and it is making it very hard for me to get any credit lines opened. It is even making me to where I can not find any housing to live in because of this collection agency. I need them to validate this debt because even the original creditor has informed me that they can not validate this debt so how can this collection agency even validate this debt.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX XXXX is my mother 's credit union. I am her daughter filing this complaint on her behalf. 

I am very cocerned and sometimes angry with the way my mother 's account is being managed and it seems to be getting worse. There appears to be ugly and distasteful tactics used in handling her account. 

The biggest concern involves her mortgage which also hab an impact on her credit ; we are requesting an audit of her account because I was informed that her mortgage payment was applied to a wrong account. 

On the most recent ocassion, my mother indicated she was ready to buy a new home we contacted the XXXX XXXX XXXX XX/XX/2022 to see if she could pre-quality for a loan. We were told by a consultant that something did not look right and that I should contact her credit union. 

My mother is XXXX XXXX XXXX and we need someone to assist us. There seems to be some deceptive practices going on with her account. She and my father who in now deceased have been account members through two names changes, and furthermore we went to the main office, sat down with the bank manager ; he assured us he would call us the nexr day and we still have not heard from him. 

Thank you for your time.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (NY)

I am an American Express Platinum Card Holder since XXXX and have paid my card balances In Full each and every month without issue. In XX/XX/XXXX, American Express auto-enrolled me into a " Pay Over Time '' feature : https : //www.americanexpress.com/us/benefits/payment-flexibility/pay-over-time/ which requires the customer to then opt-out of ... To which I did Opt-Out in the Fall of XXXX because it was tripping up my cash flow and account management as it would automatically transfer larger balances ( up to $ XXXX ) to this " Pay Over Time '' bucket and charge upwards of 22 % interest on these balances vs. the balance being paid in full which I had been doing without issue even during XXXXXXXX. 

AmericanExpress then re-enrolled me in XXXX XXXX into the Pay-Over-Time feature, even though I had already opted-out and once again are automatically rolling over large balances and charging 22 % interest vs. these balances being paid in full each month as I had been doing causing cash flow issues for me and my small business. 

The auto-enrollment into this Pay Over Time feature, even after I opted out in Fall XXXX constitutes deceptive business practices and puts the onus back onto the customer to opt-out when I was under impression that my balances were being paid in full each month as they had been since I became a member in XXXX... Adding insult to injury, AmericanExpress is also charging exorbitantly high interest rates on these " Pay Over Time '' balances of 22 % when interest rates were at their lowest in our country 's history, which amounts to Usury by any measure... 

I am incensed by their disregard for fair business practices and their arbitrary implementation of this program - even after opting-out - as well as the exceedingly high interest rates they charge on these high balances they automatically put in to this Pay Over Time bucket. It's clear to me what their end game is and their rationale for doing this - i.e. it pads their bottom line at the expense of consumers and small business owners like me who are the backbone of this country and will continue to be.
Consumer complaint received 2019-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION (GA)

BB & T closed my bank accounts in retaliation after I complained about an unauthorized transaction. I want supposed to receive a provisional credit of {$250.00} which includes the unauthorized amount plus all of the return check fees that BB & T caused even though I had advised them that I didnt authorize this transaction. I was given a credit of {$110.00} only on one checking account. On my second checking account I made three transactions in which the amount was immediately taken from my account and as per this bank the charges were still pending although the money was already removed from my bank account. When I called in about the 2nd checking account being overdraft and me feeling that this bank was purposely charging me overdraft fees probably an hour later all of my accounts was frozen, never receiving all of my credits that was owed to me plus my direct deposit posted today XX/XX/XXXX and they kept that money also. So Im all from checking account one : {$91.00} was taken, {$47.00} was taken, {$76.00} was taken. From second checking account I was given 3 fees that no one can really justify and for my savings account : {$230.00} was held by BB & T.