davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (OH)

I currently have {$38000.00} in private student loans. With the interest rate and payment plan that I am on ( 240 months or 20 years ), I will end up paying to the loan companies about {$78000.00}. Which is more than double my actual loan rate. I was not informed of this when I took out the loans and I am struggling to make ends meet and working XXXX jobs, but I am still scraping by to make ends meet on top of paying my other bills.
Consumer complaint received 2016-10-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: DISCOVER BANK (NY)

Refinanced my loans through XXXX. XXXX sent checks out to all parties including discover. Discover received the check and cashed it but no credit was made to my account. An image of the check was sent to discover and still no answer as to where the XXXX went.
Consumer complaint received 2016-07-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK (FL)

The CEO of Discover Financial will not return my emails. I tried to consolidate my high interest loan but they will not approve me. I have excellent credit and they wo n't work with me to lower the interest rate. I will end up defaulting pretty soon.
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (LA)

I had a secured Discover IT card, and I fell behind with payments due to education expenses. My account was closed and permanently revoked in XXXX, and this was not something I was aware of. I reached out on XXXX XXXX, 2016 by a message, and I asked if I made a full payment would it enable me to have spending privileges again. I was hasty, and I initiated a live chat with an Account Manager. We had an extensive chat, and in the end, I ended up making a payment for the full balance. Well, during this chat, this manager did n't say anything about my account being essentially inactive. I scheduled the payment for XXXX XXXX, 2016. I received a response on XXXX XXXX, 2016 informing me that my account was revoked and closed. I immediately sent a message and asked them to stop the payment having been told of that new information. To this day, I have not received a response to that message. I finally decided XXXX hours had passed, so I reached out to a live agent and asked for the payment to be reversed on XXXX XXXX, 2016. She told me that it would take about 15 business days for it to go thru the proper channels. I waited that much time and a bit over because on XXXX XXXX, 2016, I reached out again and I was informed that due to my payment history a partial or full refund could n't be issued. I did n't let it rest. Since XXXX XXXX, I have been fighting constantly. I reached out to the XXXX, and about an hour ago, I rejected Discover 's decision and issued a rebuttal. Discover has given me the runaround tirelessly for almost three months. I have talked to Account Managers, Supervisors, and this XXXX person who was a representative of the XXXX division. It went from a 15 day refund to talking to the bank wire department to everything in between. I even offered to allow them to a portion to show good faith. They rejected that citing company policy and my payment history. At any rate, this payment was made without having all of the facts. I do n't know if the agent assumed that I knew my account was revoked or what, but all I wanted to do was get back on track. I 'm a college student, and I do n't have a lot of money or a cushion so to speak. {$5500.00} tuition every XXXX weeks and the cost of supplies for school means my money is low. I was trying to do the right thing, but I would have preferred to pay the balance down overtime. I 've been more than patient. I realize my payment history was n't as strong as it could have been but work with me not rail against me and make me pay for a miscommunication. It 's bad enough that I asked 24 hours after the payment was scheduled to be taken for someone to please stop it and no one responded. It was a gross error and a huge mistake. One that I have been fighting hard to amend since XXXX XXXX, 2016.
Consumer complaint received 2016-06-17
Product: Credit card — 
Issue: Late fee — 
Company: DISCOVER BANK (IN)

I was recently considered late on a payment ( payment was made just after XXXX on the due date ). The payment was made on the due date and the cut off is arbitrary for an online payment. I make all my payments online and Discover is the only company that imposes this. The second complaint is the amount of the late charge being excessive. The balance is {$1000.00} and my average monthly payment has been {$36.00}. The late charge alone was {$35.00} and doubled my most recent payment. Last, the 18 % interest rate is outrageous. I have good credit and my credit score is over XXXX. I can get a lower rate if I apply for a new card. I do n't want another card with Discover. I stopped using it when they changed a due without notification causing a late payment. They also sent the account to a collection agency even though it was not delinquent and never had been. It took months to be resolved. So NO WAY do I want to do business with Discover. 

What I want is the late charge reduced and the interest rate lowered.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

I completed and signed a foreclosure settlement with XXXX XXXX XXXX on a property through my attorney on XXXX/XXXX/XXXX. Shortly after, another lender I do not know and never had any dealings with named " XXXX XXXX XXXX '' began sending me default notices and late payment bills after the settlement agreement was recorded on XXXX XXXX. I was never able to get in touch with XXXX or find out how they are involved. Since then, my credit report shows both " late payments '' and " foreclosure '' listed under also XXXX XXXX management, in addition to the late payments listed for XXXX, with identical origination dates. In other words, the settled debt it is now listed as duplicate on my report -- once as XXXX and again as the XXXX company who I 've never had dealings with. After many letters to all XXXX Credit reporting agencies requesting verification, I was successful in removing XXXX entry from the XXXX CRA back on XXXX XXXX. Unfortunately after repeated requests to investigate, incorrect information remains unchanged on both my XXXX and Equifax reports and neither CRA has given me documentation of any debt owed to this XXXX company. I have attached my foreclosure agreement I signed XXXX/XXXX/XXXX and also credit reports of XXXX and Equifax showing the incorrect XXXX entries on my credit report.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I have disputed this collection account multiple times with no resolution. This account was discharged in a bankruptcy in 2012, but it is being reported as an open collection. It should be reported as a closed collection that was discharged in bankruptcy. I have asked numerous times for the status to be changed from open to closed and the only response I receive from Equifax is that the account belongs to me! I know that! BUT IT SHOULD NOT BE REPORTED AS AN OPEN COLLECTION! All other Credit reporting agencies have changed the status except Equifax! I have also filed a complaint against the collection agency for falsely reporting this account as an open collection.
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (PA)

Equifax has placed on my credit file voluntarily dismissed chapter XXXX bankruptcies # XXXX, XXXX and XXXX. It is Equifax position a " Dismissed/Discharged Chapter XXXX Bankruptcy remains on the credit file for ten years from the date filed ''. Equifax needs to familiarize themselves with 15 U.S.C. s 1681c s 605 ( a ) ( 1 ) regarding the statue of limitations on bankruptcies. 

( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) no consumer reporting agency may make any report containing any of the following items of information. 

( 1 ) Cases Under title 11 or under the bankruptcy Act that, from the date of entry of the order of relief or date of adjudication, as the case may be, antedate the report by more that ten years.
Consumer complaint received 2021-11-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I lost my Earnest Money deposit due to the Lender company ( Loandepot ) backed out on the closing day after ready to close. 

I have signed a contract to buy a property on XX/XX/2021 and worked with Loandepot lending officer XXXX XXXX ( XXXX # XXXX ) on getting the loan. 
I have submitted all my documents requested by XXXX ( lending officer ) including the litigation document related to the purchase property. 
All the documents were submitted for underwriter approval and we got the approval on XX/XX/2021 ( Loan # : XXXX ). 
As the loan contingency removal was due on XX/XX/2021, I took the confirmation from XXXX and removed the loan contingency on XX/XX/2021. 
On the closing date XX/XX/2021, I was informed that the loan can not be funded for that property due to some reason ( I did not receive any official email/mail stating the reason till today ). 
XXXX informed me on the phone that there's an issue with the property and they can not fund it and her assistant XXXX XXXX informed the sellers agent. 
Seller 's agent issued me a demand to close and gave me 3 days to respond with a clause that I'll be loosing my deposit ( {$19000.00} ) if I don't close the transaction. 

As it was clearly a miss from the Loandepot, I asked XXXX about the options to get my earnest money deposit ( {$19000.00} ). 
She mentioned that she is going to work with her manager and initiate the process to refund my EMD amount {$19000.00} from Loandepot. 
After continuous follow ups, I only received a reply over the phone saying its still in process. 
XXXX promised me to get my deposit back saying it was completely their fault so I started looking for other properties and was working with her again. 
But recently I received a call from XXXX and her manager XXXX XXXX to discuss on the XXXX refund. 
XXXX XXXX ( XXXX # XXXX ) spoke to me and mentioned that he can not do anything about my deposit and asked me stop following up on this matter. 
He was a bit rude and was not ready hear anything that I have to ask or say. 

It was so devastating and I don't know what to do. 
Its a huge amount for me and please help me with this issue in getting my money {$19000.00} back. 

Thank you
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (GA)

I do not owe this bill. XXXX was aware years ago this was id theft. I requested or this company remove this off my credit report. I never received anything in writing from this company. next thing I know this on my credit. this company just put on here. I wrote a letter of dispute as well demanding they remove it.
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

It is several accounts that are incorrect, XXXX XXXX XXXX XXXX ( XXXX XXXX online XXXX ), XXXX ( XXXX ) SERVICES, XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX,, XXXX XXXX, ( XXXX XXXX XXXX XXXX ).
Consumer complaint received 2015-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (PA)

XXXX XXXX claimed I had not cancelled service and attempted to collect several months of service. Finally the company representative, after admitting they saw no activity on the account during the period in question, requested XXXX fax a copy of the XXXX contract to satisfy our claim. The copy of the XXXX contract was faxed and the information over and the item was removed from my credit report. It has now been placed back on my credit report by Enhanced Recovery Company.
Consumer complaint received 2017-03-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP (TN)

In XX/XX/2016 suddenly I was assessed {$7400.00} in late charges by KeyBank XXXX XXXX XXXX. After several exchanges with KeyBank officials, I have not yet received a resolution. Attached are my statements which shows that prior to XX/XX/2016, there were no late fees.
Consumer complaint received 2015-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ProCollect, Inc. (TX)

I moved out from XXXX XXXX in XXXX 2014. I received notice in XXXX 2014 that I owed various items, which were illegal in the state of XXXX to collect - such as re-painting the walls. I contested the charges with apartment complex. XXXX months later I received notice From XXXX, they simply sold the debt to a collections agency and did not call or work with me on my request for more info or to resolve. XXXX became aggressive to collect despite requests to resolve. I hired an attorney who sent requests to XXXX and to XXXX to provide sufficient detail regarding what was being collected, and within the law, they had 30 days to respond. Neither party responded to the party within the allocated timeframe. As such, the debt is invalid due to lack of response from EITHER party. I have disputed this debt with XXXX and provided information and they removed it XXXX and XXXX need to remove this debt as well, but refuse to because XXXX continues to state this is a " valid '' debt despite proof that we have attempted to resolve this in the legal forums.
Consumer complaint received 2016-11-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST MIDWEST BANCORP, INC. (MO)

On XX/XX/XXXX I opened a checking account at XXXX bank via credit card. They required a lot in order to open the account, including a driver 's license, signature card, and credit card statement used to fund the account. I provided the license and statement to them via email the week of XX/XX/XXXX. On XXXX, XX/XX/XXXX, I mailed XXXX a signature card I printed from their online application. They told me this would be acceptable as long as it had my original signature and I sent it to them through the mail. ( I had previously sent them the signature card via email where they did not accept it. ) Funds were not available in my checking account at this time on XXXX, XX/XX/XXXX. However, I saw on XXXX, XX/XX/XXXX that they were available in my online banking portal. Clearly, they had gotten my signature card. I linked another financial institution to my XXXX checking account ( XXXX ) on XXXX, XX/XX/XXXX. The trial deposit was received ( and allowed ) at XXXX on XX/XX/2016. I confirmed the deposit at XXXX and submitted an ACH withdrawal request through XXXX to my checking account at XXXX Bank. This withdrawal from XXXX became available at XXXX on XX/XX/2016. 

On XXXX, XX/XX/XXXX I see the deposit as " Returned-Account Frozen '' in my XXXX account and that I have been charged a {$15.00} fee. My XXXX Account was not frozen, otherwise the trial deposit would not have been allowed. 

My funds were made available in my account on at least XX/XX/XXXX ( probably XX/XX/XXXX ), and the trial deposit went through fine on XXXX. Funds were available, and should not have been " returned '' after being withdrawn to XXXX. 

I want a refund of all fees I was charged by my other institution, XXXX. These fees were a result of XXXX error ( s ). I also want both my checking accounts closed at XXXX and to not be charged any fees to do so.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP (OH)

I have a mortgage with KeyBank. I had to re-finance my home and now my mortgage is underwater in the amount of {$64000.00}. I have been told I am not eligble for a HAMP motification because KeyBank does not participate in this program. At this point, If I go through a short sale or deed in leiu- I will still be liable for this money. I am XXXX years old and feel trapped.
Consumer complaint received 2016-05-21
Product: Credit card — 
Issue: APR or interest rate — 
Company: KEYCORP (UT)

I am deeply troubled because Key Bank raised the interest rate on my business card to 30.24 % for no fault of mine. I have never been late on my payment. 

I was scammed by a company back in XXXX XXXX and I requested a chargeback. After about 30 days of investigation the KeyBank fraud department approved the chargeback and credited my account. I did not make payments during those months because I did not owe them any money because of the chargeback credit. 

Then in XXXX XXXX I get a letter from KeyBank that they have reversed the credit and recharged my account the {$2000.00} I was charged by this scam company. I decided to make monthly pmnts but on examination of my statement I am being charged now 30.24 % interest and my credit score has been damaged. 

I called keybank support and talked to XXXX and her supervisor and was told that KeyBank does not lower interest rates and there is nothing they will do about it. I am extremely upset about this. Key Bank has hurt me, cost me money and damaged my credit score.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

I disputed this information 5 times and Equifax refuses to acknowledge their error. Please see my latest credit report from Equifax dated XXXX XXXX where they are reporting a date of XXXX as bankruptcy date. please see attached bankruptcy papers from XXXX bankruptcy courts showing a date of XXXX. Equifax refuses to change this error and continues to allege their reporting is correct it is causing me great financial hardship.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TX)

I requested my personal information to be corrected on my file because I believe it is causing accounts to be placed on my credit file that does not belong to me. I have spoken to numerous representatives that continue not understand my issue. I last spoke with a supervisor XXXX from XXXX, Ga in the office of XXXX. He refused to correct my information and said I would have to give them a signed XXXX FORM. From my research in the Fair Credit Reporting Act, that is not part of the proving of identification for my information to be corrected. I would like for the FTC to investigate the violations from Equifax and to have them correct my personal information on my file. I have attached the dispute letter I sent to them on XXXX/XXXX/16, the certified mail receipt showing they received it on XXXX/XXXX/16, and the identity documents I mailed to them showing my correct legal name.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

Update to prior cfpb dispute XXXX : I have received a final written response from Equifax Information Services LLC. The number of calendar days from US Postal Service XXXX Mail mailing ( proof of mailing attached ) to receipt of a response from Equifax is 39 days total. 
The true dates of first delinquency on these accounts are more than a decade ago, as these accounts were opened in XXXX. Moreover, the accounts have been paid in full for nearly three years. 
My XXXX prior requests for copies of my signed Consumer Disclosure Files ( in order to prove debt re-aging ) have both been disregarded and ignored, while a total of XXXX ( XXXX ) alleged missed payments are still being illegally reported in my credit file. I have provided scanned copies of my written requests dated XXXX XXXX, XXXX and XXXX XXXX, XXXX with proof of mailing for each hand-written letter. Equifax 's response does not even mention or acknowledge that I requested these documents, and the accounts have been erroneously " verified '' despite being disputed more than half a dozen times. This has been going on literally for years, trying to get these false and damaging inaccurate records either corrected or simply deleted. Please help!
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

THESE COMPANIES HAVE NOT VALIDATE AND AUTHORIZATION TO PULL MY CREDIT. THERE IS NO SIGNED AUTHORIZATION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

The attached accounts were removed by EquiFax in XXXX 2015. They were added back by EquiFax which is in violation of the Fair Act. I have attached the removal as reported by EquiFax and the adding back on XXXX 2015.
Consumer complaint received 2022-08-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  ), Account # XXXX, Amount {$300.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Consumer complaint received 2021-11-25
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: EQUIFAX, INC. (NV)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.