davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (TX)

There have been several occasions since I was issued a Sam 's Club Credit Card. Initially, I was to use a card with my membership number, then later on I was issued a card with an account. number. The problems were unexpected because I had been paying the the bills on time. After I spoke my cause to the company, I expected the problems to stop, however, they have become worse. 

The problems : -duplicate charge of over {$200.00}, -unaccountable charge of {$47.00}, -card was denied at the register, -I would receive calls telling me there was a fraud alert on the account and I would have to call to clear the alert, and -the online account was not accessible. 

I prefer to pay my credit cards online. I also visit my online accounts frequently. I need the online access and the banks know that ; as such, I am convince they are harassing me as to discourage online activity as well as use the credit card. 

Although I have had few such issues with other banks, XXXX XXXX, and XXXX, SamsClub.com has been very troublesome. 

Please advise.
Consumer complaint received 2015-10-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I sought a loan modification with Citimortgage on a Home equity loan. My loan payment was increasing from {$2000.00} a moth to {$6000.00} per month. I called Citimortgage XXXX times and was told each time that I needed to be delinquent ( miss a payment ) before they could start the process. I missed a payment and called them the very next day to start the process. The process went on for XXXX days. I faxed XXXX packets of information and overnighted XXXX package. In the end, my request was denied because I had " too high a loan balance ''. My loan balance was known at the beginning of the process. My credit score went from approx. XXXX down to approx. XXXX. When I was denied, I am immediately made the payments and remain current on the loan. The original late fees they assessed were {$1100.00}. Citi wrote off {$300.00} of those fees. I asked them to waive the remaining balance of {$810.00} which they declined to do. When I was denied a modification and told that my loan balance was too high, I was also asked how my modification was going on my first. I told him I was not seeking a modification of my XXXX. He then went on to say that I should pursue that because there were more potential options and that the XXXX could be taken into consideration. That was nice to know but telling me after XXXX days and denying my request was way too late to make that suggestion. I am requesting/demanding that CitiMortgage write off the {$810.00} remaining balance of late charges. Their process was very misleading.
Consumer complaint received 2022-10-01
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$18000.00} This account is PAID off and should be removed from my credit report XXXX XXXX XXXX XXXX XXXX  Amount : {$2300.00} This account is PAID off and should be removed from credit report. A payment arrangement was worked out and was paid off. 

XXXX XXXX XX/XX/XXXX XXXX Amount : {$1000.00} This account is PAID off and should be removed from credit report. This account was paid off in payments. 

XXXX XX/XX/XXXX XXXX AMOUNT : {$470.00} I did not charge on this card and reported it lost or stolen. It should be removed from credit report. 

XXXX XXXX XXXX {$800.00} THIS ACCOUNT HAS XXXX BALANCE AND IS PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AMOUNT : {$700.00} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX AMOUNT XXXX {$300.00} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} THIS ACCOUNT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT WAS PAID OFF IN XXXX. 

XXXX XXXX XXXX Amount : {$1900.00} This account Has been PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX Amount : {$1400.00} This account has been sold to a credit consumer agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXXXXXX XXXX  XXXX Amount : {$740.00} This account has been sold to a credit reporting agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT {$610.00} THIS ACCOUNT HAS BEEN PAID OFF AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. I PAID IT OFF THROUGH XXXX XXXX XXXX XXXX XXXX # XXXX WAS SOLD TO A CREDIT REPORTING AGENCY AND IT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT AS THIS IS ILLEGAL AND A VIOLATION OF MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS ABOVE HAS BEEN VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681.

15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN CONSENT.
Consumer complaint received 2017-02-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP (PA)

In XXXX 2016 I took an equity line loan from First Niagara Bank for {$200000.00}. The terms were for 20 years at 3.99 % interest. Later that year First Niagara bank was acquired by Key Bank XXXX XXXX Ohio. Thus Key Bank became my lender for my equity line. The terms were the same : 20 years at an interest rate at 3.99 % interest. Since I am on a fixed budget, and to make sure I can afford to loan, I amortized the loan. My monthly calculations came up with a monthly payment of {$1200.00}. ( Please see attached ). However the bank has never remotely approach that some and has overcharged me at least {$200.00} per month. ( Please see attached ) In an effort resolve this discrepancy I approached the branch manager on two occasions. His responses were totally unsatisfactory. He appeared not to understand my loan amortization calculations. I then approached a customer service representative at that branch and asked her to contact Key Bank headquarters to have someone call me to resolve this issue. She said she would get back to me in five days. After eight days I came to the branch and asked her if she contacted someone from Key Bank headquarters. She tell me she was unable to contact someone there but gave me the number to call myself. I then called Key Bank headquarters myself on at least six occasions with either a busy single or was left waiting for an average of a half hour with no one responding. Finally I managed to contact someone at Key Bank headquarters I explained the discrepancy in the loan amortization and said she would contact someone in the back to resolve this and would get back to me in five days. this was about a month ago and I am still waiting for an answer.
Consumer complaint received 2015-11-03
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

I opened a Scottrade Bank account a while ago. Scottrade Bank closed the account without providing a proper explanation. I have requested an explanation from Scottrade but every time I call them they say they will only speak to customers and since my account is closed I am not a customer. 

I would warn others of this behavior, if you have any dispute with Scottrade, I would advise that you withdrawal all of your funds before brining it to the attention of Scottrade as it is likely Scottrade will place your money in limbo and not allow you access to it. 

Now Scottrade wo n't even respond to my complaints. If this is how a business treats customers, well, I will happily take my money elsewhere.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

My student loans are handled by Navient I am on a fixed interest rate. 
in the last 10 years my payments have gone up twice. 
approximately 60 of my payments have had nothing go toward principal I calculated roughly {$44000.00} paid in 10 years with only approximately {$3000.00} - {$4000.00} going towards the loan. 
I have records of my payment history.
Consumer complaint received 2022-10-01
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. (TX)

Identity theft - XXXX XXXX XXXX reported a XXXX loan on my credit report in XX/XX/2022. I reported the fraudulent account to Equifax who confirmed the fraudulent loan belonged to me. However XXXX and XXXX removed the account. equifax refused to do so.
Consumer complaint received 2015-07-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (NJ)

this debit was paid to jefferson capital systems llc on XXXX/XXXX/2010 they never provided me a letter stating that the debt was settled in full. i did not settle for partial it was settled in full as the cards limit was anywere from {$300.00} to {$400.00} secured credit card i paid the balance they gave me of XXXX which included fees and accrued interest. This i now that XXXX time my settled in debit was sold by jefferson capital to another collections agency and i am quite frankly tired of cleaning up and being held responsible for something jefferson capital systems failed to do which is report accurate information to all XXXX credit bureaus and cease collections activity. I am not filing a complaint with CFPB in hopes that this activity and negative information is finally and permanantly removed off my record including credit report. i will provide a copy of my bank statement as proof that it was paid since jefferson capital never sent me a letter showing that the debt was settled.
Consumer complaint received 2016-11-06
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (IL)

I never applied for any student loans ; I never went to college. 
Sallie Mae lists on my credit reports XXXX student loan accounts ; XXXX are Joint, XXXX are Individual. 
The open date and account number on each XXXX account coincides with the same open date and account number on each XXXX account. 
( e.g., open date XX/XX/XXXX, account ending XXXX ; open date XX/XX/XXXX, account ending XXXX ; open date XX/XX/XXXX, account ending XXXX )
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I have not been able to find a job in my field as well as every time I had to pay a loan and I could not they offer me something and I accepted it but when I later checked my interest rates were really high and I accrued a lot of money over not being able to pay I do n't understand how over one year interest rates could have me paying that much money for something that I could already not pay due to not working all the agents I 've ever spoke with said this would help me out and this would be the best thing for me
Consumer complaint received 2017-04-28
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: Experian Information Solutions Inc. (NC)

I pulled my  XXXX  And Experian credit report in   XXXX   XXXX   and noticed   XXXX   XXXX  k and  XXXX   XXXX  showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with  XXXX  stating this is not my account and with Experian 3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called   XXXX    credit card company and was told 4 times with the latest being today that they could not find an account with my name on it or the account number. I spoke with  XXXX  she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to  XXXX  at   XXXX   today she states she cant remove it because Applied is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do.       XXXX   XXXX  - I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with Experian as well that this is not my account. This last dispute on   XXXX   XXXX  , it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They (   XXXX   or Experian  ) w ill not provide proof and I have did all I can do.     I also advised Experian the following Inquiries are fraudulent /not authorized by me :  XXXX -  XX/XX/XXXX   XXXX  -  XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX    XXXX   XXXX   XXXX  -  XX/XX/XXXX  &  XX/XX/XXXX   XXXX    XXXX   I advised  XXXX  the following iquiries are  fraudulent/not autho rized by me :   XXXX   XXXX   XXXX   XXXX   via  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  &  XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  I need this to be corrected and removed from my credit reports.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (FL)

On XXXX XXXX, I applied online for an Apple Card. The advertising said that the inquiry wouldn't affect my credit score, but accepting the offer would. 

On XXXX XXXX, I checked my XXXX XXXX account and XXXX  lowered my credit score by 5 points due to an inquiry by GS Bank. 

I did accept the offer. However, XXXX is lowering my credit score due to the inquiry, not due to opening the account. 

I contacted Apple Card customer service and they couldn't help. 

I have attached a copy of the advertising language and the XXXX  explanation of the credit score inquiry as being due to GS Bank Inquiry.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NJ)

I have been paying on my student loan ever since I was an XXXX. I then graduated and still confined to pay on my private loan. However, I have asked many times for a repayment plan lower then the one given, and also asked for a deferment, when the company was XXXX XXXX and also now as Navient. The loan on my case is not affordable for I have been communicated with them that I am going through a hardship, and also currently attending XXXX school. They still insist on calling and collecting their mineies when I have none to give or refuse to take off my co signer and help me with an affordable repayment plan.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

I just become aware that my student loan was delinquent, I had been out of the country for months to care for a sick father. I spoke to a representative and was told that I was on a deferment. Well after just getting hired for a new job, and a credit a certain credit score is required. I was told that my credit does not meet the requirements. I have never been late on my student loans. I was told I was on a deferment. I never received any documentation reporting that the student loans were out of deferment
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MA)

I was notified by Department of Ed ( XXXX sent them information ) that I was receiving a forgiveness for student loan from XXXX and Navient because I have been getting a XXXX payment of {$560.00} p/mo for a number of years due to XXXX. 

While XXXX canceled my payment and refunded my money sent to them since XXXX 2017, Navient did not and continues to bill and acrue interest with no acknowledgement of any kind. I did list them on the sheet from Department of Ed because it is a FFELP student loan. 

I hope you can help me with this dilemma because this loan is climbing much higher instead of decreasing and I can not work.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (SC)

I have more than {$110000.00} to pay in student loans to Navient, formerly XXXX XXXX. My monthly payment is more than {$900.00} per month! I was in such financial dire straits that I had to file bankruptcy ; however, during the 5 years I was in bankruptcy, my student loans were still accruing interest everyday!!! I think to the tune of {$35.00} per day!!! The amount I owe now is astronomical compared to what I originally borrowed! I was mislead by this student loan company so many times! I 'll never have enough to raise my daughter.
Consumer complaint received 2017-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC. (VA)

I am a XXXX veteran. My status was official through the Department of Veterans Affairs in XX/XX/2011. I contacted XXXX and informed them of my XXXX status and I would no longer pursue a college degree. I submitted all required documentation of my status. Somehow the process of discharging my student loan debt, slipped through the cracks and my account showed delinquent. My loans are currently discharged due to my XXXX status, but it should have never been reported as delinquent. ECMC discharged all student loan debt under XXXX application that I filed. The letter for approval states I was eligible as of XX/XX/2011. 
My family and I are suffering greatly by the reporting practices of all XXXX major credit reporting bureaus. Please correct this wrong. 

Thank you, XXXX
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (FL)

The borrower lives in a house that her deceased mother took out a mortgage on. The property is titled in the borrower 's name, but the mortgage is in her deceased mother 's name. The borrower currently has a foreclosure action pending against her in XXXX County, Florida. 
The borrower was offered a permanent loan modification in late XXXX 2016. The borrower executed the permanent loan modification on XXXX XXXX, 2016. The borrower 's attorney sent XXXX executed copies of the loan modification to the servicer 's point of contact, XXXX XXXX of Seterus, on XXXX XXXX, 2016 via certified mail return receipt requested. 
XXXX XXXX then asked the borrower to submit a death certificate for the executor of her mother 's estate. The borrower 's attorney faxed and mailed a copy of the death certificate to XXXX XXXX on XXXX XXXX, 2016. 
The borrower 's first payment under the loan modification was due on XXXX XXXX, 2016. The borrower made her XXXX XXXX, 2016 mortgage payment. She also paid her XXXX mortgage payment. 
Seterus is sending the borrower correspondence dated XXXX XXXX, 2016 stating that the loan is delinquent and the XXXX XXXX, 2016 payment through the XXXX XXXX, 2016 payments are outstanding. Seterus also sent the borrower a mortgage statement dated XXXX XXXX, 2016 stating that he amount due is {$16000.00}. 
The borrower 's attorney filed a motion to dismiss the foreclosure action with the court. However, a new foreclosure sale date has been scheduled with the court for XXXX XXXX, 2016. The borrower 's attorney has contacted the Plaintiff 's attorney several times regarding resolving this issue, but the Plaintiff 's attorney says it does n't have any record of a loan modification being executed.
Consumer complaint received 2017-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (LA)

Navient called my workplace and one of my supervisors answered the phone, speaking with them briefly. He asked them not to call me at work and informed me that the " student loan people are looking for you again. '' A year ago or so, after I had instructed them to never contact me at work, but only my cell phone, Navient assured me that they had deleted the work number from their system and noted that I was to never be contacted at work. On my break, I called Navient, and the representative I spoke with confirmed the note that I was to never be contacted at work and that the number was flagged for deletion but that it had never been deleted from their system and she had to seek help from a supervisor to remove it. 

Navient has been sending multiple bills, both for old closed loans that had been reconsolidated with the Department of Education, and the newly consolidated loan with amounts and due dates that differ, making it appear that I owed not {$150000.00} but rather {$310000.00}. The representative confirmed that it still appeared that all the loans were active, but told me to disregard some of the statements I 've been receiving, and by the end of the call said that my account had been corrected.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

I have been on auto-pay a very long time with Citicard. In XXXX of 2022 and XXXX of 2022 I contacted customer service to put me back on autopay. Both times they confirmed auto-pay was in place. 
On XXXX I paid Citicard in full for {$130.00} On XXXX Citicard reported me {$130.00} delinquent dropping my credit score XXXX  points. I have tried many ways to request they remove it from all credit bureaus. 
They have refused to do so. 
I have been denied credit because of this at least 6 times for new credit cards or debt consolidation or personal loans.
Consumer complaint received 2016-08-15
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: AmeriCash Holding LLC (TN)

I was in a accident and doctor bills and travel started mounting causing extra expense so I started a debt consoldation program but the advance company branch refuses to work with the debt consoliation company telling me they would turn me in to collections refusing to accept any payment from the consolidation company