davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-02
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Navient Solutions, LLC. (LA)

Pioneer Credit Recovery XXXX XXXX contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls have totaled more than 10 per day. 

We have orally told them that we are not allowed to take personal calls on business lines, and we have submitted a prior written complaint bearing Case number : XXXX. 

Please do not call any of the following numbers as they are all owned and/or operated exclusively by our business : 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 We will file suit if these calls do not cease.
Consumer complaint received 2022-10-03
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. (CA)

XXXX checked my credit when I told their agent that my credit is locked. Somehow a letter came back to me saying I have to much credit. My question is why did equifax open a locked credit report and then come back to me and said improper use of your report. This time instead of running around the issue I want to know what equifax is going to do about it. I don't want to get into litigation but what use is it to have a locked report that anyone can use.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Below are dates of credit inquiries that I wish to have removed from my credit report  XXXX . I attempted to contact customer service at the credit bureau and their customer service would not help and take care of these negative inquiries reporting to my credit report.      XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX     XXXX    Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX     XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX    XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX   XXXX   Inquiry   XXXX    XXXX ,  XXXX    XXXX   XXXX   Inquiry  XXXX   XXXX ,  XXXX
Consumer complaint received 2016-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CA)

FEDLoan- I have been XXXX for 8 years. I received a XXXX loan for some XXXX work.FEDLoan is the servicing agency. Although I send the forms in on time for my service year they always find something to deny my application form. example- Principal singed too early ( before the school year was official over ), or I signed too early ( the last days of school are very rushed and we try to get things done early to beat rush ). This date criteria are not stipulated as a problem on their documentation. Also FEDLoan will email me informing me of coming due dates, but will only use regular mail to inform me of their rejections as to prolong lag time between responses, I would assume. How am I going to get a hold of the XXXX? I fulfill my part of the bargain, I want them to fulfill theirs in good faith. 
Thank you.
Consumer complaint received 2017-05-25
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: EQUIFAX, INC. (TX)

Below  are dates of credit inquiries that I wish to have removed from my credit report Equifax. I attempted to contact customer service at the credit bureau and their customer service would not help and take care of these negative inquiries reporting to my credit report.      XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX    Inquiry    XXXX   XXXX ,  XXXX     XXXX    Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX   Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX     XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX    XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX   XXXX   Inquiry   XXXX    XXXX ,  XXXX    XXXX   XXXX   Inquiry  XXXX   XXXX ,  XXXX
Consumer complaint received 2017-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (AL)

I have received absolutely abysmal service from MyFedLoan Servicing. They botched my consolidation process, they overcharged my interest rates, they provide completely inaccurate information from person to person, and they also have botched my recertification for income based repayment plans -- sending me notices to pay astronomical amounts when I have proof that I filed the appropriate paperwork 3 months prior. They are a nightmare.
Consumer complaint received 2017-10-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (TN)

I was 14 days late on my payment due to being in the XXXX and unauthorized charges on my bank account. I notified Westlake Financial of the issues. I made my payment on XX/XX/17 the XXXX day and then next morning when I went to get into my car it was gone. The police told me it had been repossessed but the Finance Company (  Westlake Financial - XXXX - XXXX ) said they had not issued a repo order on my car but that the loan is under review and they might not continue on the loan. The dealer where I purchased the car ( XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, TN XXXX XXXX started sending me threatening text messages and calling my references telling them that he was checking to see if I was dead or alive. I have my receipt. I also found that Westlake Financial is not registered with the XXXX XXXX of XXXX to do business in TN, they applied but was not granted a business entity number.
Consumer complaint received 2020-10-06
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: CORELOGIC INC (NC)

The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. Corelogic is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX  XXXX  or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX  and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including XXXX  acknowledgement of illegal account and the request to delete it from XXXX  corelogic, false statements made on behalf of corelogic and fake letters they said they sent.
Consumer complaint received 2017-02-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (NC)

I just called FedLoans to see what they offer to people who are relocating for a job. I have to relocate at my own expense, and can not afford pmts until XXXX after I settle in at my new location. They have nothing to offer. They offered a new repayment plan, which would have increased my repayment amount to something that I can not afford. I should not have to do all of that just to postpone my payments for a month to a month and a half. Can the CFPB help with this?
Consumer complaint received 2016-07-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (MI)

I am the cosigner of my daughter 's loan. I realized in XXXX she was not making all payments on time, and at that time I contacted The National Collegiate Trust, and told them as the cosigner, I needed to know when payments were not made or were late. I asked for notification to be sent to me. To date I have NEVER heard from them. How can I make something right when I do n't know there was an problem? 

In XXXX, my now ex-husband and I filed a chapter XXXX and I do realize student loans are not covered, and they were not to contact me either while in bankruptcy. I just assumed my daughter wpildhave continued to receive bills, but she said she never did. 
I received my final decree for the bankruptcy in XXXX of XXXX. At that time I contacted my credit union so I could refinance my house. My credit scores were in the XXXX 's and XXXX XXXX. The mortgage manager contacted the senior underwriter and was certain I 'd be able to get a loan. In two weeks time my credit took a dump because of the student loan. Again I have heard nothing from them! 

My daughter was issued court papers and chose to ignore them even after I told her what to write, but I was not given any information about court papers. 
She was issued a judgement today, and the original {$13000.00} is now {$29000.00}. I was not named in the suit and have not received any information about past due payments. I found this out when I went on line to check my credit again and found missing and late payments for National Collegiate. I really do n't understand how I can make something right when I do n't know there is anything wrong. My daughter may, but not always, say something but it is always after the fact. 
It is WRONG that the cosigner is not made aware of what is going on!
Consumer complaint received 2016-11-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (NC)

, On XXXX XXXX 2016, I went into the Suntrust XXXX XXXX XXXX XXXX Branch, I had received a large deposit that went in my account. I went in to the bank and agreed to pay the entire amounts that I owed Suntrust for a closed checking and savings account. The banker added the amounts and provided me a with-drawal slip for the total amount due, there were two cashier checks made out to the department to which I owed, I have copies. I see on XXXX XXXX 2016 Suntrust processed a draft out of my other account for the same amount that I paid one account on XXXX XXXX 2016. I was never contacted by any representative from Suntrust, had they contacted me I would have gladly told them I had already submitted payment 10 days prior through the banker at the Brank. I do not know what happened by someone did n't research it, I did n't mail the checks the banker handled that I have receipts that it was paid, the original amount clearly shows in my account that this money was in-fact deducted from my account on XXXX XXXX 2016. This is the 2nd time that Suntrust took funds with-out talking to me or even attempting to contact me, back in XXXX I received some funds, I had gone into the branch and spoken to the bankers. I was told my account would be noted that I would make payments on the owed money, two days later they took XXXX out my account leaving with XXXX to pay my bills or even live on, although I new I owed money I had been assured that only the amount I had agreed to would be deducted.
Consumer complaint received 2017-05-25
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. (SC)

XXXX XXXX account showing in collection in XX/XX/XXXX, when the account was paid in full XXXX with a {$0.00} balance, nothing should have been reported since it was closed that month, this is false information, XXXX XXXX say they did n't report anything since XXXX and Experian will not remove this false information
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ERC (PA)

i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (OH)

Suntrust Mortgage : *Forclosed on me while i was XXXX*Denied me for XXXX but the said i was covered a couple years later but never fixed my % *Missing Payments*Did not change XXXX, XXXX, XXXX interest rate to 6 % from 6.875 % on my first mortgage*Did not change my XXXX interest rate from 13 % to 6 % since my XXXX was paid off i deserve the money back*In XXXX was foreclosed on ( THEY LOST A FEDERAL LAWSUIT IN XXXX OF XXXX FOR WRONGFUL FORECLOSURE PRACTICES FROM XXXX TO XXXX ) XXXX XXXX mortgage was paid off and $ XXXX put into an escrow account but when they foreclosed i was never paid this. so they have had my money for 8 years*I want my XXXX mortgage Re-evaluated and the payments re-applied. i show i only owe $ XXXX*When foreclosed i payed {$15000.00} to reinstate no attorney fees should be applied to my account.
Consumer complaint received 2017-03-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: STERLING JEWELERS, INC. (TX)

We have been customers of Jarods for several years. Recently, we upgraded my diamond due to a " special '' sale at XXXX On 4 occasions, we were told that the Annual Percentage Rate for this " sale '' was 3 years at 1.25 %. We decided go move forward due to this " special '' rate. Monthly, my fiance questioned the payment due on the statement ... as it did not look correct. Finally, I took a look at the statement, only to see that the 1.25 % is a MONTHLY - NOT ANNUAL Percentage rate. 

I called the customer service and had no luck. Oddly, when at work- I talked about this with my co-workers, and another lady had the EXACT same issue at a different XXXX location.
Consumer complaint received 2016-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CA)

My federal student loans are held by FedLoanServicing ( FLS ). Until recently they were on an in-school deferment. In XXXX I received notice that they were now in repayment ( this was for XXXX of my XXXX loans ; a notice for the other XXXX was not provided until XXXX ). However, I was not given any notice that the accrued interest would capitalize or an opportunity to repay it before that occurred -- instead the statements simply showed the principal as having increased. I emailed FLS on XXXX XXXX about this and did not receive any response. This morning, XXXX XXXX, I contacted them by phone to follow up. I spoke to four different representatives and learned the following. FLS received notice from the national student loan clearinghouse on XXXX XXXX, 2016 that my enrollment at XXXX XXXX ended in XXXX. On that date they immediately, retroactively granted a " late student loan notification forbearance '' back to XXXX, ended that forbearance as of that same day ( XXXX XXXX ), put me into repayment, and immediately capitalized all the accrued interest as of that day ( XXXX XXXX ). This all occurred without any notice to me of the accrued interest and without giving me any opportunity to repay it before capitalization. The last customer service representative with whom I spoke, a supervisor, agree with me that this process was not correct. But he said he had no power to change it, and that I would have to wait while a " review '' went through the system, which would take 7-10 business days. Unfortunately, I have no confidence that this review will occur, that I will get notice of its outcome if it does occur, or that it will remedy the situation -- given that FLS has failed to notify me of critical student loan information in the past, that I received no response from my email, and that I was initially left on hold for 25 minutes by the first representative I spoke with today ( apparently hoping that I would hang up ). I am happy to supply the ID numbers of each person I spoke with at FLS if this is useful to the inquiry. Many thanks for your assistance.
Consumer complaint received 2017-02-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (GA)

I have an account at XXXX XXXX and XXXX XXXX XXXX. My direct deposit goes in on Friday with XXXX XXXX AND XXXX XXXX XXXX on Friday therefore, on Saturday XXXX XXXX and XXXX money is in my account. But, Suntrust posts my money on Monday. There are people on my job who banks with Suntrust their money is availbale on Saturday to with draw out of their accounts. It looks as if the deliverably post my money on Monday to create fees. When made the direct deposit at the beginning of the account it was in there on Saturday. Now, they manipulate my deposits in the past 5 years to charge me fees. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Why is my money not deposit like my collegues at work. We all get paid at the same time.
Consumer complaint received 2016-01-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (GA)

Sun trust bank put a one week hold on a deposit I made on XXXX XXXX, 2016. I have document proof that each of the XXXX checks that made up the deposit were cashed at the respective banks on XXXX XXXX, 2016. Talked with a supervisor on XXXX XXXX, 2016 and was told they would release the money on the next day. They did not and they refuse to explain why the hold is still in place. Statement says the hold will release on XX/XX/2016. This is wrong!
Consumer complaint received 2016-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MO)

I attended the University XXXX XXXX from XXXX - XXXX. After graduating I had problems finding employment in the XXXX XXXX field. As a result I requested Deferment of my loans due to Unemployment. 

Federal Loan Servicing refuses to modify my credit report where they claim I missed payments on my Federal Student Loans. I wrote to them twice requesting the change. I also opened a dispute with XXXX. The following was sent to Federal Loan Servicing on XXXX XXXX. This was my second request : RE : XXXX I am writing in response to the attached letter where my request to modify credit reporting was denied. Your agency reported my account # XXXX 60 days past due on XXXX, XXXX, and 90 days past due on XXXX. 

The attached documents, which I provided previously, reveal that my account was in Deferment due to Unemployment from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX. Therefore I was not required to make payments on XXXX, XXXX, and XXXX. I again request these erroneous marks be removed per the Fair Credit Reporting Act. 

I routinely submit my payments before they 're due, have not missed a payment, enrolled in XXXX XXXX XXXX XXXX, while my accounts are in good standing. 

Please make these corrections to my credit report.
Consumer complaint received 2015-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

On XXXX XXXX, XXXX I received a XXXX from " XXXX XXXX XXXX, XXXX. '' XXXX XXXX XXXX, XXXX XXXX, TX XXXX for a Debt Discharged of {$33.00}, XXXX. XXXX. I immediately called them and told them there is a mistake, as I have no accounts with them and never had any. They informed me they were trying to collect on a debt from a XXXX XXXX XXXX XXXX, on a credit card that he took out in XXXX. I informed them that XXXX XXXX XXXX had been my husband, but we had been estranged for many years and lived in different states. Also, I told them that XXXX XXXX XXXX had died in XXXX after a long battle with XXXX XXXX. When I received this XXXX in XXXX I called the attorney who handled the debts at the time of XXXX death and this attorney said I was not responsible for any of XXXX debts. He also said that Virginia does n't recognize any debts after 7 years. When I told XXXX XXXX XXXX this on the phone they said they would have the Fraud and Claims Dept contact me. On XXXX XXXX, XXXX I received a " form letter, '' with no signature, from XXXX XXXX XXXX Fraud and Claim Dept. The form letter said the I will be responsible for any balance on the account. Thus I am contacting you for help. I do n't feel I should be responsible for a dead person 's credit card debts from XXXX.