davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XX/XX/XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XX/XX/XXXX - XX/XX/XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the law firm I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''
Consumer complaint received 2017-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (IL)

On XXXX XXXX, XXXX, I began an application with XXXX to refinance my student loans that were being serviced by FedLoan. On XXXX XXXX, XXXX, I received notification that XXXX had disbursed funds to pay off my FedLoan balance. When the payoff posted on XXXX XXXX, XXXX, I had a credit balance of {$620.00} since I had continued making payment from the time I started my application to the time the funds were disbursed and posted. I contacted FedLoan about the credit balance and was told I had to wait until I received a paid off statement and that a refund check would cut automatically. On XXXX XXXX, XXXX, I received an email with a payoff letter stating the loans were paid in full. Whenever I login to my account, I still have a credit balance. I have sent messages through my online FedLoan account ( no responses ) and called ( told I have to wait ). I am requesting assistance to get a refund so I can apply it to my refinanced loan.
Consumer complaint received 2016-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OH)

I was paying off XXXX student loans. I had directed FED Loan to pay off loan sequence # XXXX in full. I had written this information on the check and included a letter of direction in the envelope. Upon review of my student loan, they did not do as directed. They instead paid a certain % on loan sequence # XXXX and a certain % on loan sequence # XXXX. I had previously called 4 different times to ensure I was getting the right information. The representatives I spoke with are : XXXX/XXXX/16 XXXX XXXX ; XXXX/XXXX/16 XXXX XXXX ; XXXX/XXXX/16 XXXX XXXX ; XXXX/XXXX/16 XXXX XXXX. Calling today, XXXX/XXXX/16 XXXX XXXX basically called me a liar because he could n't see the letter and " maybe I was n't specific enough. '' At the moment, I do not want ANY adjustments made on my accoutn. This is just one issue I have had with Fed Loan. It would be nice to get accurate information and for the payment center to follow directions.
Consumer complaint received 2017-01-19
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: KEYCORP (OH)

In XXXX XXXX I applied for a mortgage with KeyBank. Prior to the application KeyBank loan officer XXXX XXXX checked my VISA status, Income, Debts and Credit score. After checking I was approved and ready to apply, according to XXXX XXXX. 
I applied on XXXX/XXXX/XXXX and received pre-approval letter. 
On XXXX/XXXX/XXXX XXXX XXXX informed I do not qualify for a mortgage because my VISA status ( non-resident ) does not comply with KeyBank 's guidelines. 
To my big surprise KeyBank opened on XXXX/XXXX/XXXX a mortgage loan account, loan amount {$240000.00}, under my name without informing me. In addition I never signed any kind of legal documentation and/or gave authorization to KeyBank to open this account. I met with KeyBank representatives, I emailed KeyBank VP of Mortgages XXXX XXXX XXXX, I called KeyBank executive phone number but nobody is willing to respond, give an explanation nor willing to close the account or process the paperwork that belongs to this account so I can purchase the house. 
Conclusion : On XXXX/XXXX/XXXX KeyBank opened, without any authorization and/or legal signature, a mortgage loan account under my name with a loan amount of {$240000.00}.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: GLOBAL CREDIT UNION (AL)

I received an email that on XXXX XXXX, XXXX  Global Credit Union would be changing over, I have been a member for 20 years plus. On XXXX XXXX I went online to input the 3 steps to change over I keep getting error after several trials I stopped. The next day I tried again keep getting the same error then it said your switch has been made. I tried to login but I couldn't, I tried to call GLOBAL Credit Union old telephone number but it was not working. 
On the Webpage there was a new telephone number but it couldn't be working until days later. On XXXX XXXX, I called the new number and got to speak with two people. The first was the clerk he asked for my account number : I gave him the only acct number I knew which was the old GCU account number he called me a name I didn't recognize, ( XXXX something ) I said that is not my name. He then asked for my social security number. He said he had my account. I asked for my balance. It was very low and very wrong I told him the balance is not correct I should have much more money. I also said I knew this switch would cause problems, I asked who do I need to talk with about my balance. I asked him several time before he said I ( he said he was putting notes down about my account ). 
I was put on hold again. The hold times were sufficient so lots of people must be calling in. Finally, I Speak to the higher up person. I explain that I was having problem with account, my account balance is not correct and I can not log in to online banking. He was nice and we went through create an account for online banking. I can see my balance now again I told him that the account balance was low and not correct. I asked to see my account history. He said he didn't have it. I asked ; how can you buy out a company and not have our account history. He said they ( GCU ) only sent the last month of XX/XX/XXXX. That was the only history I could see online. I asked and stated that it was fair that we couldn't see our history. He said I could request the last month history. I said that not going to tell me much info about what went on with my account, He said that was all he could do. 
I received my new account number from the higher up person, that was how our new banking accounts were created. I am thinking if you using the same name ( Global Credit Union ) why create new accounts without the customer there to see the process. What I want : I need the old Global Credit Union to supply me with my bank account history from XX/XX/XXXX until the present date. The Alaska Credit Union that took the name of Global Credit Union should help us save this problem. My monies need to be put back into my account. 
The bank statement online format looked different, faked.
Consumer complaint received 2016-12-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (IL)

I visited Experian 's website to obtain my credit report and I was charged {$1.00} on my credit card. Subsequently I was charged {$21.00} though I ordered nothing else. I called Experian and they said I ordered a broader service that included my XXXX score. I did not consciously order this service, and I never was presented with a cart containing this order with a button to submit the order. I also had the exact same experience with XXXX except I was charged {$19.00}. I have not been able to reach a live human at that company. I am an experienced internet shopper and I have never seen anything like this. Experian told me that I would have been charged {$21.00} every month unless I canceled, so they canceled " my order '' but refused a refund. I assume that XXXX has the same policy. I will try to contact them on Monday XX/XX/2017 when they are open.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

EXPERIAN HAS BLOCKED MY ON-LINE ACCESS TO DISPUTE. 
experian has permitted XXXX different furnisher 's to report accounts without a date of XXXX delinquency.the date is required by XXXX XXXX.the date must be accurate according to this citation which i have cited, circled and underscored. 
Without this date or a fall-off date the negative reporting continues forever and that is illegal credit reporting. 
PLEASE CORRECT OR DELETE AS PROSCRIBED BY LAW OR FACE CFPB FINES AND CIVIL SUITS.
Consumer complaint received 2017-01-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FBC MORTGAGE, LLC (FL)

In XXXX XXXX, I filed a complaint on FBC [ Case number : XXXX ] due to the miscalculations for a loan modification. FBC did reply the complaint and admit fault and since I 've re-sent documentations for a loan modification to FBC. On a weekly basis, I call and check on my loan modification but it seems no update has occurred. For example, I called on XXXX XXXX, XXXX and spoke with XXXX XXXX rep # XXXX and she informed me they received all my documents and the opener has 5 business days to review the documents before sent to the underwriter or the consumer is contacted if further documents are needed. XXXX XXXX informed me the day I called, XXXX XXXX, XXXX, was the final business day and there will be an update by tomorrow. So, I called FBC on XXXX XXXX, XXXX and spoke with the same rep XXXX XXXX who informed me she will check with the opener again and will escalate my case. Such " run around '' is frustrating, unacceptable, and unprofessional. My intent is to keep my home yet I feel FBC is dragging the process with the intent to take my home away from me. I faithfully follow-up with FBC and give any requested documents in a timely fashion yet FBC is not working with me. Please look into this matter as my intent to reinstate our mortgage and keep our home.
Consumer complaint received 2016-11-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Goshen Mortgage LLC (NJ)

We put our house up for short sale, it has been up for sometime. We received a solid offer based the comps in the area. Investors want an offer of {$120000.00}, which is unrealistic. When I asked if the comps were reviewed I was told not really. They refuse to stop the sheriff sale
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I contacted Equifax XX/XX/XXXX to dispute a false account information on my credit report with them. They did n't remove the information even though the proof I submitted reflected a credit/check for the balance on my account. The only account valid is starting with XXXX which was opened XX/XX/XXXX. How can I have XXXX accounts open at the same time for XXXX address? I only had FIOS internet and home phone service. I never had a cellphone plan or any other services with the company. I do n't believe Equifax is recognizing Identity Theft and wo n't state why they wo n't remove this incorrect information on my credit report. It is not valid at all and documents attach shows I do n't owe XXXX any money and my balance is XXXX.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MA)

submitted requested information to Equifax XXXX XXXX XXXX and response was to ask for the same information again. tried phone calls to no avail ( automated systems, no humans ) and the web sight led me to believe someone has used my identity for a home mortgage and credit card. i 'm a veteran using VA healthcare and collecting social security with total income below the poverty line and was born and raised in the state i currently live in. i do n't know what else to do or who to talk to so this can be straightened out. i 've just received my HUD-VASH section 8 housing voucher and do n't want this to prevent me from getting my own apartment, i only have a limited time to find one. thank you
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

There are inquiries on my credit report that were not authorized, there are serveral insurance companies that checked my credit when I only gave permission forfor XXXX company to check. and also there is a place called XXXX on the inquiries that I have not given permission to as well.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MN)

On both my equifax and XXXX credit report XXXX has listed that my account balance is for my auto loan is {$31000.00}. That vehicle was sold and the loan paid. I am no longer responsible for that account and would like the status on my reports to reflect that
Consumer complaint received 2016-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (IL)

XXXX years ago I submitted a request for Equifax to update my social security #. When I was purchasing a home I was told there where other # being reported with my name. I wrote a letter and sent proof of my social security and id. I never got a response. I figure maybe they did not receive it. I faxed them the same info. no response. I tried to dispute collections and there is no response. I tried to log online to do the dispute my self and I was given a message that my information did not match their records it asked me to fax what I faxed XXXX years ago. I also attempted to re fax it in 2015 again. I would like to buy a house and for XXXX years. I cant dispute inaccurate information that is hurting my financial decisions.
Consumer complaint received 2016-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

Disputed collection in credit file. Collection was removed. Collection has now been reentered under different company with the original company still attached to reporting. Disputed collection and now states it is mine. In addition to 7 years since original account. Past the reporting act as well. Company in two violations of fair credit reporting act.
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (RI)

Equifax lists XXXX of my wife 's credit card accounts on my credit report as missing a payment. This is a XXXX card beginning with XXXX. This is not my card. I was an authorized user on the account but the financial responsibility is 100 % my wife 's. The initial application for the card reiterated this. 

I filed a dispute with Equifax once I learned this missed payment was on my account. I told them this account was not my responsibility. I did the same with XXXX other credit bureaus, who promptly removed it. Equifax notified me 2 weeks after the dispute that they were still working on it. They never communicated with me again after that. I took it upon myself to check the status yesterday only to find it was closed and they determined the account was my responsibility. 

So my complaint to the CFPB is two-fold : Equifax deliberately did not notify me of the results of the investigation, no doubt because they refused to make the proper change. And the second complaint is that they are continuing to provide libelous information that I missed a payment on a card that I had no financial responsibility to pay.
Consumer complaint received 2016-08-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (WA)

I am filing this complaint because Equifax has ignored my request to provide me with documents the their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my request to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2015-07-16
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: TRUSTMARK CORPORATION (MS)

I had a CD with trustmark in XXXX XXXX and my dad and I both were on it. My dad went in and took out a loan and used it as collateral the loan officer let him take the paperwork out to get " me '' to sign it and forged my name. It happened XXXX different times with XXXX different signatures. I went to the main trustmark in XXXX and the legal team told me that my dad was getting a loan to put the money back in and I was basically screwed until then. I could not understand why my money could be tied up with me coming into the bank and signing. After the money was put back into my account I went into a trustmark location and got a cashiers check for the amount minus the fee to close out my cd early. The next day, XXXX/XXXX/2015, I get a phone call from trustmark and they state they are putting a stop payment on my cashiers check because my dad withdrew some money out of it and they gave me too much. So now I am facing embarrassment with my bank who has never given me trouble or I have never had trouble with. It has become a big problem.
Consumer complaint received 2016-07-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

Pro collect initially contacted me about a debt I owed an apt complex, XXXX. I then contacted the apt complex and after discussing some errors, they reduced the amount from {$1600.00} to {$900.00}. The manager also sent me an email confirming that change. I sent it to pro collect and they refused to correct the error. I contacted the XXXX and filed a complaint, at which time Procollect stated they would correct the error. They did not. I contacted pro collect to settle the debt for the {$900.00} and pro collect responded by stating that the {$900.00} was a settlement offer only if I paid it in XX/XX/XXXX, which if you see the email from the apt complex does not state that it was a settlement, and it is dated more than a year ago, not last month. I offered to settle at {$900.00} on Wed XXXX XXXX and pro collect refused to accept {$900.00} on that date. I disputed the debt with the credit reporting agencies, and pro collect verified the debt as {$1600.00} after I submitted proof it was corrected.
Consumer complaint received 2015-07-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

we called key bank about opening a new checking account and to see about incentives for opening an account. we were told there was a {$200.00} incentive but we had to do it online and was given no other information. we did the account on line and did n't enter a promotional code because we were not given one. the bank is refusing to honor the word of one of their employees and ca n't go back and get the information from the phone call because they deleted it. we only opened that account with that bank because of the promotion and they are refusing to honor it because they do n't have the information from the phone call we made. XXXX from corporate office told me no and that was the reason. So now we are filing complaints and want what was promised to us. They continually lie to us about this
Consumer complaint received 2016-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

I XXXX XXXX disputed Items in my equifax credit report, by certified mail # XXXX XXXX 2016, company -XXXX, account # XXXX XXXX, account # XXXX XXXX and XXXX XXXX documemts sent for proof of paid accounts XXXX XXXX 2016 sent credit report # XXXX.corrected the items.and put the Items back on the by XXXX XXXX 2016.with proof of paid accounts.please investigate this matter.if there is anything i need to do just ask.
Consumer complaint received 2016-09-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

Equifax makes it extremely difficult to retrieve your credit report online or to complete the process online when it is due to you for free. However, they allow your to have access to credit report online if you are willing to pay a fee of {$15.00}. They have been oprating this way for at least the last 4 years and this is the first time I have made an attempt to report this behavior. The last I needed to access my credit report immediately was 4 years ago and I could not retrieve it for free through ( XXXX ) without mailing in a verification document. When I elected to pay, no verification was ever requested.
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (VA)

Equifax has already had 60 days, lied on their results according to XXXX Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX since those XXXX banks claim that they never reported anything to Equifax due to ongoing investigations yet I have a copy of the letter that I sent to my lawyer who seems interested in why this has happened. All communications to me will cese as my lawyer is now incharge of communications now and for pending legal issues, I am unable to contact further.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MN)

Equifax I found another dispute that you failed to investigate with in the time 30 day time frame that you have to investigate I kindly ask you to please this dispute from my credit file This one is going to be confirmation XXXX open on XX/XX/XXXX 17 and it should have been completed XXXX 17 could you please have this item delete from my credit file as you failed to complete your investigation see attached document line 14 from the Bottom down. Thank you so much