davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

I signed for a loan, signing my mother 's name ( XXXX XXXX ) as a co-signer. I informed Navient that my mother never new of the loan. My mother saw XXXX accounts for Navient listed on her credit reports twice. She was extremely upset and I did admit it was XXXX loan not XXXX and I informed her it was for a third less than the amount in which she indicated. They have XXXX account as XXXX for the amount of {$63000.00} and account number XXXX for the amount of {$71000.00}. I do not know why they have the loan listed twice, it was only XXXX loan and it was no where near the amounts they have listed. She contacted the company several times and informed them that they had a mistake on her credit reports, they indicated she co-signed with me, She informed them she did not, she never knew anything about a loan, which I confirmed that is the truth. They are aware as she has also filed complaints and they still want to hold her liable for a loan she never authorized. She contacted me in which I apologized, during that time my father and brother were battling XXXX and I did not want to ask, but I did not have any right to sign her name. She informed me that I better contact them because she could not be held liable. I finally notified them over a year ago that she was n't the party who signed for the XXXX loan and informing them that my mother knew nothing of the loan and is n't responsible. They still have not removed these accounts from her credit reports. They have overcharged and imposed excessive fees and added an additional account that I never had.
Consumer complaint received 2016-06-29
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

I along with XXXX others lost our American Express cards when XXXX severed its relationship with AMEX. I tried to look up past AMEX statements online but that information has been destroyed. What am I to do? Here I try to do the right thing by " going paperless '' and now have no access to my statements!
Consumer complaint received 2016-09-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC (IN)

I never received notice that I owed this debt. I found out when I went to urgent care and they told me that I had a balance that was sent to collections two years ago. I then came home and looked at my credit report on XXXX XXXX and saw that it just showed up this month, it has n't been on any previous credit reports. The amount that I was told was owed was also different from the amount shown on my credit report. Urgent care had my correct phone number and address in their system so there is no reason that I should n't have received a bill.
Consumer complaint received 2016-06-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Last year, I opened a Citigold checking account under promotion XXXX. This promotion grants XXXX bonus points for opening the account and spending {$1000.00} in debit purchases within 60 days and complete a bill pay in two consecutive months. I fulfilled these requirements. 
On XX/XX/XXXX, after not getting the promised points, I contacted Citi and they confirmed that I enrolled and fulfilled the requirements. They stated that I would receive the bonus miles within 90 days ( which would have been XX/XX/XXXX ). 
I still did not receive the points, so I contacted Citi again XX/XX/XXXX, and they said that they would launch an investigation, and that I would receive an e-mail confirmation of the investigation no later than XX/XX/XXXX. I never received that confirmation. 
So the issue is that I did not receive the XXXX bonus miles promised to me.
Consumer complaint received 2016-01-18
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (SC)

I signed up for Amazon Chase credit card to get a discount on my purchase. I did not put any purchases on the card. Amazon automatically put some purchases I did not make on the card. After several calls to XXXX and Chase these purchases were removed. I instructed Chase TWICE to cancel the card. They assured me on the phone TWICE it had been done. Today I got another bill for late fees and interest because their computers think I made charges on the card that were not paid - XXXX and CHase have both told me this was corrected!! 

Please have Chase remove all charges, remove any derogatory comments from my credit report and CANCEL this card permanently.
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (FL)

CitiCards refuse to connect me to a manager. Im currently unemployed due to the effects from XXXX XXXX. Ive been making my payments on time but this month ( XXXX 2016 ) my financial situation has gotten worse, I preemptively call CITI CARDS and requested to have my payment date from the beginning of the month to the middle. I was promised a call back from a manager, which never happened. I called again but was unable to speak to a manager again even though I requested it but was told my requested was placed and that I would be able to pay at a later time with not late fee. Unfortunately they did n't comply nothings has changed on my account except for the fact I am now being charged a late fee. Its become apparent they will make up any excuses each day as to why I ca n't speak to a manager. Horrible service line // Condescending over the phones // Straight out liars //
Consumer complaint received 2015-08-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CITIBANK, N.A. (NC)

They called and said they would give me a hardship settlement if I paid them right now with debit. They said checks and credit are not acceptable. He said he would be forced to go further if I do not pay and take me to court. They then proceeded to harass me at work, I did not give them my work numbers. XXXX XXXX is the name he gave me XXXX. The ladies name was XXXX XXXX XXXX.
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (AZ)

I have a mortgage loan with SunTrust Mortgage which was recently put into forbearance after many difficulties with the lender losing my paperwork, delaying things, etc. But thanks to the CFPB, I was finally able to get my forbearance due to medical issues. But recently I rec 'd a letter from SunTrust stating that my loan was overdue and they have ordered an inspection that I WILL HAVE TO PAY. THIS IS OUTRAGEOUS! I WILL NOT PAY. My loan is in forbearance and this should not be happening. Please help. 
Loan number : XXXX
Consumer complaint received 2016-10-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (FL)

I consolidated XXXX loans at different % from 1 to 6.8 %. The formula use to add all loans at different % is not to favor the borrower but the institutions. The % that I got is still to high at 6.12 % and cant make payments. They sold my loans to other institutions that I had at 1.5 % and gave it to me at 6.12 % in the consolidation? Is this fair? yes I read the fine print. I did not have to consolidate the lower % loans, but could not cover the monthly payment with so many loans. You tell me. How can we jump in XXXX giving fairness all the tactics that the lenders use to profit from the education that we seek.
Consumer complaint received 2016-07-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP (FL)

I have an auto loan with PFS financial XXXX. My loan term is 42 months, my payments are {$350.00} a month. I pay my payments monthly and noticed my balance keeps going up and now down. I did fall behind a few payments here an there. A woman from PSF financial came to my job threating me for payment and nonstop phone calls requiring payment. I check my payments to be on XXXX on a monthly basis. I recently checked my car payments to be posted on XXXX and noticed my monthly rate is now {$480.00}! I never received notice of this and am totally unaware as to why its now {$480.00} and not {$350.00} like it is in my contract. Attached are copies of amounts I been paying as of XXXX 2016 until current. On XXXX, it shows I did not miss any payments so I do not understand how my monthly payment when up, especially without my knowledge.
Consumer complaint received 2015-08-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (GA)

Suntrust bank created a situation where they forced an over draft coverage on an account that has no over draft coverage. I reminded the bank that there is no overdraft coverage on the account and that federal law prohibited over-drafting with out the consent of the customer. I have never given my consent for overdraft coverage, and was clear, that if I do not have available funds in the account, then decline the transaction for insufficient funds. Suntrust runs algorithms on the account to create overdrafts and then manufacture debt. This is a clear violation of the federal law. 
On Friday the XXXX of XXXX after XXXX there was a positive balance. However on Monday the XXXX the bank is claiming that an over draft occurred and I was penalized for it. 
The facts are the bank manufactured the debt by providing overdraft coverage when non existed. The provided overdraft for XXXX debit transactions, 1 ) for XXXX and 2 ) for XXXX, when the transactions should have been declined for insufficient funds. That would have left enough of a balance to cover the internal transfer and alerted me of a low balance so that I could have transferred more money into the account. 

By applying overdraft coverage on an account that had no such coverage Suntrust created a negative balance then fined me for being unable to make a XXXX dollar internal transfer as is the practice of the bank to do on the XXXX of the month. Suntrust created a debt where non existed.
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NC)

EXPERIAN & XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to Experian, also this item was removed from my credit report then put back on my credit report under a new account number XXXX, I have all my record letter, therefore by providing such information they are in VIOLATION of my HIPPA rights also the FCRA..
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (GA)

I am about 7 months past due on my mortgage due to loss of income. I now have sufficient income to make my mortgage payments again due to being a XXXX veteran so I submitted a modification package to this company on XXXX/XXXX/16 because they are trying to foreclose on XXXX/XXXX/16. They confirmed that they have a complete package and it is in review even sent me a letter to confirm yet they refuse to postpone the sale date until they have a chance to review. I told them this is called dual tracking and is illegal. They said they did n't care and will not postpone the sale date. Please help me, I want to keep my home. I served this country and in the process became XXXX and now I 'm losing my home. All I want is to keep my home now that I have the sufficient income and I am not even that behind on payments. Help me please!
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SC)

The company XXXX is reporting that I have an outstanding balance with XXXX XXXX Apartment, attached you will find that XXXX XXXX responded to XXXX that I do not have an outstanding balance with them. I have disputed this information several times with the credit bureau and they have replied each time that the information that XXXX XXXX is reporting is accurate. If the company has replied stating there is not a balance with them then how is the credit bureau confirming that the information that XXXX XXXX is reporting is accurate.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

Every time I have attempted to receive my credit report online from Equifax they will not release it for view. They constantly require that I send many copies of information by mail and I still have no confidence they will release the information as a free report. Both XXXX and XXXX are never a problem when I view my report online. What is wrong with Equifax? Since this is a continuing issue it leaves me with the belief they are looking for a way to get around offering a free report, maybe you can tell me.
Consumer complaint received 2015-06-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: D. SCOTT CARRUTHERS (CA)

A woman called from XXXX to MY WORK numberXXXX todya XXXX/XXXX/2015 at XXXX XXXX XXXX times. She would not say her name, her company or what this was about. She wanted to speak to my supervisor and claim if I did not provide payment today she would go to my HR department.
Consumer complaint received 2017-02-09
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: U.S. BANCORP (CA)

We were notified in a letter from U.S. Bank that a credit card issued to my wife had expired. Neither my wife nor I applied for that credit card, which I was told by a U.S. Bank representative, was opened in XXXX. I am shown in U.S. Bank records as an authorized user of the account, but it is my wife 's name. She has never applied for a credit card solely in her name since we married almost 35 years ago. 

We do have an existing credit card with U.S. Bank, which we think was first opened in XXXX, that is a different number than the XXXX identified in the letter.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within 24 mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %.
Consumer complaint received 2016-10-28
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

XXXX XXXX I fell victum to ID theft and more than {$2600.00} was taken from my XXXX account. This account made monthly payments to Ally and had been fine since before the theft.. XXXX took almost 60 days to investigate and find in my favor but in the mean time even after notifying Ally they continue to report negative info to my account and my loan amount increased by a whole payment between XXXX and XXXX of this year with no relief. I wrote them in XXXX with the findings and still they continue to violate federal law by reporting and ruining my credit When I called in XXXX the teller did not like me and all ofa sudden I owed XXXX payments instead of XXXX.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CT)

Equifax has me listed as having XXXX credit cards, the XXXX credit card was closed out and replace with a new number and that account should be removed from the credit file, the only XXXX account that should be listed is the one that 's says open XXXX XXXX, XXXX that was last reported on XXXX XXXX, XXXX. By them having these XXXX accounts listed it dropped my credit score by XXXX points which is not right
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (KY)

I have tried to before and was successful with XXXX, but Equifax has not even updated my information but is sure to to put any negative. They have XXXX collections that are not mine, have wrong addresses, and when I try to dispute it said I had the wrong information.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I believed some of the information on my credit report are incorrect and should be removed immediately in 2009 I was rear-ended by another vehicle by no fault of my own immediately following the accident, I was removed to the hospital and received medical care and released. Afterward, I also received medical follow-ups with different doctor 's and received treatment for my injuries, up to this day after checking my credit report I noticed I still have collection notices on my credit report for the treatment I received after the accident, in-spite of the fact I had hired an attorney to represent me and who close the case and assured me all the medical bills had been paid. For some unknown reason, those collection notices are still on my credit report and are causing a lot of XXXX moments the medical problems which I am currently suffering.
Consumer complaint received 2020-04-17
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. (FL)

I have made several attempts to remove inaccurate information from my credit report. The credit bureau continues to report this inaccurate information and has not sent proof of verification
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX is not allowing me to make a payment to them on a debt listed on my credit report. That is illegal. They must be listed as original creditor. This is very common, maybe most-common with utilities. Any creditor listing a derogatory line item must offer me a means of repayment, to the name, as-shown on my credit. ( and rightfully so, who expects ANYONE to make payments to a random third party ). This line item must be deleted and re-reported with correct collection information This is the final time before I seek legal counsel. Please find attached voice audio, of the listed creditor, DENYING my payment attempt! THAT IS ABSOLUTELY NOT LEGAL.
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (IL)

I received a notice from IC systems claiming that I owe an alleged debt of {$490.00} to XXXX. I have no idea what this is about so I sent a written dispute in regards to this matter. IC system is threating to report to all the XXXX of this alleged debt owed. I since then have not gotten a response in regards to validation of this alleged debt. It is now mid XXXX.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IL)

Negative information should be removed after 7 years from the credit report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, IL XXXX is reporting information that is over 7 years old. I asked Equifax to find out the date when this debt was open and became due and they just ignored my question. I also asked Equifax not to put the date of birth or SS N on the reports they send to me because my mail has been stolen several times. They refuse to do so. Negative information that is over 7 years old should be removed from one 's credit report.
Consumer complaint received 2015-12-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX XXXX has reported inaccurate information to credit bureaus that is affecting my chances of getting a new credits/loans. I have no account with XXXX, I have never been in XXXX for any services,, I did not even know their address until I got my credit report and no body is authorized to use my XXXX insurance card. I do not owe and I have not received any letters, validations, information from XXXX XXXX. I have called on three occasions, they have not given me any response.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

Can not receive free credit report online from Experian through XXXX. For at least two years, anytime I try I get this message : " We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. '' I do not have any trouble getting the free credit report from XXXX or XXXX.
Consumer complaint received 2015-07-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (IL)

A debt collection company which appears to be located in XXXX, ND has been calling my residence several times over the last 6 months looking for a party who has n't lived here in 10 years. I 've advised them as such and they allege they 'll put me on the no-call, bad-number list, but they continue to call in spite of their hollow promises. Their number is XXXX.
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XX/XX/XXXX 60 days past due as of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 30 days past due as of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (GA)

In attempt to take advantage of HARP i 've been attempting to get my home refinanced. My existing mortage holder ( Seterus ) has done everything to put up obstacles to prevent me from doing such. The latest is for my Loan Payoff, submitted my first request through my new mortgage provider ( XXXX ) on XXXX/XXXX/2015 and we still have not received the payoff that we requested and at least 3 other attempts have been made for figures. My closing was set for Friday, XXXX XXXX, 2015.