davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-27
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (CA)

The Discover Card Company issued me a credit card. XXXX charge was disputed, and therefore not paid. Afterward, I learned that in fact it was a legitimate charge but the company had used a completely different name so I no longer disputed it. Discover Card paid the amount, advising me they would do so but not advising me that it meant I would go over my credit limit nor that I would daily receive XXXX phone calls regarding being over my limit. I pay the monthly payment on time at the rate prescribed each month. I previously requested of Discover card that they stop calling me, which they agreed to do, and notating it on my record. Yet it has happened again and continues daily at an excessive and harassing amount.
Consumer complaint received 2016-08-07
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (AZ)

Discover Card sent me a letter saying I have been over my limit a couple months in a row, and because of this, they are increasing my minimum payment amount within the next 60 days. I am not past due and have not been past due. I thought credit cards stopped charging over limit penalties, they should just decline the charges.
Consumer complaint received 2015-08-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DISCOVER BANK (MA)

I was offered a credit card over the phone about 10 years ago by Discover Card for about {$4000.00}. I was later referred to a debt collector who took me to court as I fell behind my payments whereby a payment arrangement of {$100.00} was agreed upon. 

I have asked the debt collector to consider writing off the debt as I have payed them towards or above {$10000.00} over the years, well in excess of the original {$400.00} credit card limit that they extended to me. 
Unfortunately, the debt collector have always declined this arrangement ; they actually indicate that my debt has increased from about {$400.00} to about {$16000.00} because of interest rates which to me seem utterly artificial or unfair.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (TX)

Based on information, belief, and observance, my Discover Card account was opened using a line of credit from my corporate affiliation with my investment company. I open a Discover Card account on or about XXXX XXXX. I later added an authorized user to the account. Subsequently, extra cards began to be ordered under the authorized users name without my knowledge/permission or the authorized users knowledge/permission in about XXXX XXXX. Discover markets its cardholders are never liable for unauthorized charges on the card. However, Discover misled me about the status of the disputed charges I reported when I made Discover aware of the additional cards and charges on the account. Instead of closing the card under fraud, Discover left the card open until XXXX XXXX. During this 2 year time span, disputed charges reappeared on the account along with new charges while other accounts numbers were also open. I have determined the charges in dispute amount to {$810.00} which discover refuses to credit to my account as a result of the fraud. It appears a line of credit for my company was opened similar to my XXXX XXXX account which I learned had XXXX extra cards despite me being the only authorized user of the account. In the alternative, I believe Discover employees or third party contractors opened an account in the authorized users name when the user was added to the account and began making charges which posted to the account and charges which were not viewable online or on statements. I have had to make complaints of mail tampering as a result of Discover not maintaining my updated mailing address. Based on information, belief, and observance XXXX XXXX XXXX is an agent for XXXX XXXX XXXX who may be of some relation.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (GA)

Fay Servicing has taken over one year to get our mortgage dealt with that they acquired XX/XX/XXXX. This has destroyed our credit file, they are unwilling to show current status XX/XX/XXXX, or give me a quick refi due to the over 9 % ( XXXX ) we are at now. It takes weeks to get an answer, and seems this is a top down mentality to ignore clients. I deal with delays due to communication for weeks, up to a month - that is with me emailing weekly doing follow up. 

All requested paperwork from Fay was sent in XX/XX/XXXX, at once. Then we are told they did not receive parts. We find that strange because it was all sent in as one package, to say you got some parts, but not all is suspect - which meant more delays. 

Many times I asked for a stays update, always saying not the right paperwork ( company canned answer ). I can prove my paperwork was sent in, however they choose not to act, instead ignore the facts. 

Finally after 4/5 months XX/XX/XXXX they put me on a Forbearance Agreement that lasted two months, then a Trial Modification Agreement that lasted four months, then finally after a year ( XXXX 5 months wasted ) my loan was modified to be current only - no mention of a better rate. In the meantime our credit file has felt these timely delays on the part of Fay Servicing only to result in a declined score. One would think that this is done by design to trap people in high rates and bleed them as long as possible, due to the unwillingness to work with their client. A simple XXXX search told me a lot.
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (TX)

This student loan service offers no deferment or forbearance. I am in-school status and they were deferring it for awhile, but now they will not even consider this status. There offer no options, they only want payment. They are setting me up for default. 
XXXX College
Consumer complaint received 2016-03-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (FL)

SunTrust Home Equity line of credit keeps reporting to XXXX and XXXX bureau wrong information about the original date to when my case was opened. The date reported is wrong, and even though my lawyer keeps writing them letters about what they are doing wrong ; SunTrust keeps sending letters to me about the same case all over again. My case was opened and reported in XXXX, XXXX, but it was sold since XXXX, XXXX. I had sent several letters to this company telling them about the right date and about the closure of this case. My prepaid legal services in Florida has been sending to XXXX and XXXX letters to fix my credit, and to report the accurate information with the correct date it was opened and reported. SunTrust equity line of Credit said they will fix it but all they do is send letters with the wrong date and nothing gets ever done. Instead of sending the right date, they just write the same date that my prepaid legal services writes in the letters they send there. This account has been sold and reported lost since XXXX XXXX. This entire situation is ruining my credit, and I am getting tired of receiving these letters. I keep receiving letters about my case and how is reported in XXXX ( this is not accurate since it was reported in XXXX not XXXX ). This case was reported about seven years ago and it should already be solved. This case had also been reported to the IRS and they decided to close the issue. I do n't understand why this is still permanently on my credit. They should either remove it completely or have the case with the right date and information. I want to do some things with my credit such as buy a house, but I ca n't do that because of this issue that is holding back my credit. This is a violation and is of customer right to the and unaffair resolving of credit. I would like for this problem to be solved as soon as possible. Thanks
Consumer complaint received 2016-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (TX)

XXXX XXXX XXXX promised me job placement upon graduating when in actuality no employer would hire me after finding out their deceptive trade practices and XXXX XXXX lied about their job placement statistics and upon signing up said that my loan was a grant instead of explaining that it was a loan
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Credit Karma (TX)

Credit Karma wish is an online service only! Their only ways of communcating is by : internet, websites, online, and or by via email! Just sick of business of this magnitude ; being able to conduct business, in the XXXX, or this Country! Then when CFPB launches your investigation, and trying to track down these fools : you 've to come up with, these sorry tired excuses, and worthless explanations! If they 're too big to fail, be challenged, reached, contacted, and seamlessly ca n't be located/tracked down! Why subject it to be so, that businesses of this magnitude, exist in the first place? XXXX XXXX merely tried to play, and mess all over me! In an attempt to get back, at me for some of my complaints, and negative feedbacks : either about themselves, partners, and or their members! I, thought this was the land of the free, and home of the brave! It seems that this, only applies to certain ; classes, and kinds of people! That 's some mess up, cheesy, disgusting, inappropriate, outrageous, and should be deem illegal! I 've sent several complaints, or grievances to XXXX XXXX! However, they had either objected, and or refused to respond to most of my complaints! Things had gotten so much, out of hand, and control! I was left with XXXX choice, and XXXX choice only : which was to unsubscribe, my membership with them! They ca n't take constructive criticism, negativity, being called out, and more certainly ca n't handle the truth at all! You know what CFBP? That sounds like something very personal, and their XXXX problem alone! Now, if I wanted to sign up again or become a member, then you 've to wait for six months! Which to me, sounds like a scare tactic, regrettably attempt, discouraging bluff, form of backlash, and punishment for unsubscribing! WOW!!! Instead of submitting any documents, I 'm just going to mail them.
Consumer complaint received 2015-11-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (ME)

My son was accepted into the XXXX XXXX of XXXX XXXX XX/XX/2009. While having visited the school, we were asked to fill out paper work and loan information. Unknowingly, I co-signed for a private loan for my son. We have since found out this is a predatory on be half of the school and should not have been. My son is now {$22000.00} in debt with the private loan alone and another {$22000.00} in debt through XXXX XXXX ( XXXX ). 
I would like this complaint to be two fold. 1 ) We would like to file the complaint about XXXX XXXX in their acquiring loans that that were deceptive and predatory2 ) And about the XXXX XXXX in it self. My son ended up having a health issue that he was asked to leave class because of the health issue that the school never compensated him for loss class time. What action can we take on his behalf? Thank you.
Consumer complaint received 2016-07-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (SC)

On XXXX XXXX, 2016. I went online and removed the overdraft protection from my bank account. I received an email from Suntrust that stated. This notification is confirmation you have chosen to remove Overdraft Coverage from your account ending XXXX for ATM and one-time debit card transactions. This change will become effective within two ( 2 ) business days, On XXXX XXXX, 2016, Suntrust paid a transaction for me for {$1000.00} and I was charged a {$36.00} fee for this transactions. In addition, I have XXXX other {$36.00} fees. I did not authorized Suntrust to pay this. It was my mortgage payment but I plan to make arrangements with my mortgage company so I would not be in the hold. I expected the check to be returned unpaid and that what I wanted to do. Now my checking account is in the negative of {$1600.00}. When I get paid and my check is direct deposit, this is going to take my entire check and I am going to be in a lot of financial trouble. I can not afford for this to happen. I was just in a car accident, I have medical bills to pay and other utility bills to pay. I never expected this to happen and that Suntrust would pay this since I cancel the option or did not ask them to. 

In addition, I had Suntrust investigage charges of {$200.00} taken out of my account from a Health Club that took out the money to early. They basically did not do anything and said that the business did not wrong. I gave the documentation stating when it should have came out and when it actually did. Also, have since cancelled the service with the company. The company sent me an email showing that they could not find an account for me. I sent this to Suntrust also as part of my documentation. They still did not help me get my money back. I am tired of the fees that I am being charged and the bank charging even {$36.00} if I have a debit amount for {$13.00} that some how get paid.
Consumer complaint received 2016-08-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (PA)

Of my {$460.00} payment that I have been given through an Interest Reduction Plane this is what I pay. I do not think that I or anyone should have to pay this type of interest to get our student loans paid off. I am paying more than what I pay to get the principal paid down. This is just not fair to the people trying o get and education and find a job to live and pay off these loans afterward. 
Principal Paid : {$210.00} Interest Paid : {$240.00} Borrower Payment {$460.00} Balance {$100000.00} DIRECT SUB CONSOLIDATION LOAN Principle {$75.00} Interest {$84.00} DIRECT UNSUB CONSOLIDATION LN Principle {$140.00} Interest {$150.00} Totals : {$210.00} {$240.00} REPAYMENT Disbursement Date : XXXX/XXXX/XXXX Loan Program : DIRECT SUB CONSOLIDATION LOAN Owner : U.S. DEPT OF ED Guarantor : FEDERAL Interest Rate : 6.125 % Interest Rate Type : FIXED RATE Subsidy : SUBSIDIZED Loan Balance Original Balance : {$34000.00} Unpaid Interest : {$30.00} Current Balance : {$35000.00} Payment Information Monthly Payment : {$160.00} Repayment Term : XXXX Months Expected Payoff Date : XXXX/XXXX/XXXX Due Date Information Next Due Date : XXXX/XXXX/XXXX Days Delinquent : XXXX Loan Status : REPAYMENT Disbursement Date : XXXX/XXXX/XXXX Loan Program : DIRECT UNSUB CONSOLIDATION LN Owner : U.S. DEPT OF ED Guarantor : FEDERAL Interest Rate : 6.125 % Interest Rate Type : FIXED RATE Subsidy : NON SUB Loan Balance Original Balance : {$59000.00} Unpaid Interest : {$56.00} Current Balance : {$67000.00} Payment Information Monthly Payment : {$300.00} Repayment Term : XXXX Months Expected Payoff Date : XXXX/XXXX/XXXX Due Date Information Next Due Date : XXXX/XXXX/XXXX Days Delinquent : XXXX I and most others do believe that we could pay off our debts quicker if the interest was not placed upon us as such.
Consumer complaint received 2015-03-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (NY)

A student loan was obtained through XXXX. Mine. This company Amercian Education Services / Naitonal Collegiate Trust was informed that this account has been a result of XXXX but they are still sending this account to a collection agency for collection. The collections agencies after been advised that the account is a result of XXXX they continue to forward it to other debt buyers.
Consumer complaint received 2015-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (WA)

In 2013 I had to file for a chapter XXXX XXXX. Suntrust is our mortgage company and from the day of the XXXX on they have continued to make mistake after mistake on our mortgage. XXXX off, we did not miss a single payment nor have we. Suntrust took all of our payments and put them in a " secret account ''. Then we got notice that after we completed the documents to continue the ownership of the house, Suntrust falsely reported on our credit that we had not made our payments. Then, we notified Suntrust of their mistake " took 6 months easy for them to realize their mistake '' they then rebuilt our payment history but never took the Credit reporting mistake off of our credit. Then today, 6 months after the XXXX was completed, notified us that they have foreclosed on our house. Once again, we have made every payment electronically and never have received anything from Suntrust to say anything about any lack of payment. We emailed them again and once again, are looking into it. I can provide all documentation off of our Suntrust account and would like this XXXX to end. Any help from anyone else is graciously appreciated.
Consumer complaint received 2015-08-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Med-1 Solutions, LLC (IN)

I found out about this debt when served with papers saying I was being sued by Med1 collections. The papers were served on XXXX XXXX 2015 with a court date of XXXX XXXX 2015! I work as a XXXX, I called when I could but Med1 would deflect my attempts to try and figure this out. I have a gentleman working on my credit and finances. I signed a power of attorney and asked him to get the information. He sent the " lawyer '' for Med1 a letter ( attached ) asking for paperwork to validate the debt so we can see what this is and if it is correct work out a settlement. The " lawyer '' says he has the paperwork but refused to give it to my representative since he was not a lawyer. He said the only way to get the paperwork is for me to call him. I do not want to call a debt collector and get bullied. I should not have to.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

XX/XX/2022 I'VE NOTICED THAT MY CONSUMER CREDIT REPORT SCORE HAS NOT GONE UP IN SEVERAL MONTHS. 

I HAVE PAYED ALL CREDITOR ON TIME AND ADDED NEW CREDIT AS WELL. 

WHY HASN '' T MY CREDIT SCORE INPROVED TO A HIGH SCORE????????

EQUIFAX IS COVERING UP REGULATORY VIOLATIONS AGAIN!!!!!!!!!!!!!!!!!!!!!!!!! 

MY XXXX AND XXXX CREDIT REPORT SCORES ARE WAY HIGHER THAN EQUIFAX AND THE HAVE THE SAME ACCURATE CREDIT ACCOUNTS AS EQUIFAX!!!!!! 

EQUIFAX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT!!!!!!!!
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

The date of the late payment is XX/XX/2018 where I am marked for a XXXX day late payment. I have never missed a late payment and Equifax has cleared the remark but readded the late payment when I never had a late payment and it should be removed. Also, with XXXX they refuse to honor the holder of the loan XXXX XXXX XXXX where I have not missed a late payment and refuse to give me a reason or response as to why this XXXX day late payment is still on my report and it should not be. I am trying to qualify and get a house and this is severely hurting and impacting my credit to where I can not get a house for a late payment that I did not miss. I am sick and tired of dealing with this and I need to see this XXXX day late payment from both Equifax and XXXX removed that I did not do!
Consumer complaint received 2017-02-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (CT)

Navient has failed to provide the most basic functions of adequate student loan servicing at every stage of repayment for my private loans. 6 months after graduation, I reached out to Navient to discuss my repayment options since my salary was not adequate to make payments and was told that my payments could not be adjusted to my income.Instead, I was told the only I options I had was graduated repayment which lowered my overall monthly payment by {$200.00} and increased {$400.00} after 1 year or deferment. Although I was willing to make monthly payments that were adjusted to my monthly salary, they would not work with me on finding alternative income-driven plans. Although my salary has not increased in the last year, my payments have increased tremendously. I can not sustain these payments much longer.
Consumer complaint received 2016-03-14
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Comerica (CA)

I found out today that there are several fraudulent charges on my XXXX debit card issued by Comerica Bank ( DirectExpress - USDirectExpress.com ). I 've tried multiple times to dispute these, but each time I 've been disconnected. I 've reached the first tier customer service- after giving all my personal info each time - and then they say I have to talk to " Level XXXX '' and they transfer me and then I get disconnected after they transfer me. One time I did reach a level XXXX rep and told her about problem being disconnected and she said it would n't happen again, and sure enough it did. They have the info regarding which charges are fraudulent, but apparently I still need to talk to another dept. anyway - yet I ca n't reach them. They ( the crook ) took all of my XXXX payment which is what my son and I live on and now there is no money left in my account so we are in a desparate situation. I 've also had other issues with this credit card company where they cancelled my card without notifying me and then charged me for a replacement card. I appreciate any help you can offer. Also, uploaded transaction info from bank website which shows XXXX of the fraudulent charges ( apparently there are others that have n't appeared on the website yet. ). The first XXXX charges are fraudulent XXXX XXXX, XXXX XXXX XXXX XXXX and there are also several not shown which are from the XXXX XXXX, CA area ( XXXX. and others ) which are fraudulent as well. The only authorized charges were from the XXXX store and XXXX atm withdrawal - the rest were not authorized.
Consumer complaint received 2015-10-14
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC (MA)

Atg collection agency has re-aged a debt. The original account is set to fall off my credit reports by XXXX. Atg has the removal date as XXXX. They have filed a date of first delinquency as nearly a year later than the actual date. I have filed XXXX disputes with XXXX and each time they falsely verified the information.
Consumer complaint received 2015-06-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (WA)

For the last XXXX years I have been getting collection calls for a person I do not know. The most recent of these calls was from XXXX XXXX at Allied Interstate ( XXXX ). When I asked to speak to his supervisor about this call he was unable to connect me because 'they are all busy or at lunch '.