davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint because Experian has ignored my request to provide me with the documents that 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 that can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TN)

For employment purposes I was directed to experian to receive a credit report to confirm my identity. For the past 5 weeks I have attempted to do this with them via online, phone, and mailing in physical copies of my own personal documents. To date, they have been unable to provide me a credit report. I have emailed them regarding this about 3 weeks ago - no response. Called them numerous times speaking with multiple customer service reps including XXXX supervisors - still have n't gotten anywhere. When speaking with them they direct me through the same steps every time as if reading a script and none of them has been able to actually help me with this process. The kicker? Went to transunion tonight and got my report in 5 minutes. Unfortunately my employer has a contract with experian so my report must come from them.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (AZ)

Experian, In 2011 we filed BK and ever sence we have had very good credit but experian keeps filing on record what was filed in 2011 you can pull my report and see what they are doing, if this is the way that credit companys are allowed to operate than we do n't need federal laws concerning BK Heres a example of there report, Serious Delinquency and Public record or collection filed, proportion of balance to high credit on bank revoling or all revoling accoumts, number of accounts with delinquency too many inquires in last 12 months, note in the last 12 months I have made only XXXX requests and other requests were just made by companys for there info, the credit beaures have a obligation to assist people not ignoring what is sent to them they shoud be questing items when filed or advise people what is being sent, when BK is filed that should clear all back records on file and after 7 years record should be clean they are ruining a person credit by what they are doing. 
XXXX XXXXXXXXXXXX
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

Experian continues to report an item that was not validated and refuses to remove : XXXX - Experian - Revolving - XXXX XX/XX/XXXX XX/XX/XXXX - {$1800.00} - Due {$0.00} - Late Over 120 Days {$580.00} - CONSUMER STATEMENT : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. ACCOUNT DELINQUENT 150 DAYS PAST DUE DATE LAST REPORTED DELINQUENCIES : XX/XX/XXXX=XXXX CHARGE OFF ACCOUNT CLOSED BY CREDIT GRANTOR LAST PAID : XX/XX/XXXX
Consumer complaint received 2023-01-31
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. (CO)

I have been trying to rent an apartment, but the leasing office is unable to acquire my credit report. I tried accessing my credit report in MyEquifax.com and received error code XXXX. It also says that the last time my credit report was generated, was in XXXX. When trying to access my account again, it gave me error code NH XXXX with 3 different representatives, and 1 supervisor on XX/XX/XXXX. The first call the said they escalated the case, and that they would send me a physical copy of the report. The second time I called, a couple hours later, the agent said that they could not send my report because of the discrepancies. So now, they are contradicting themselves. They said that they dont see an issue with my credit report in their end. They said there were discrepancies with my personal information. They said i would have to fax supporting documents to get it solved. 
Submitted online disputes on Myequifax.com, and uploaded supporting documents. 
Submitted supporting documents via fax requested by Equifax on XX/XX/XXXX Spoke with 1 representative and 1 supervisor on XX/XX/XXXX - not able to tell me if documents were received. They told me to call again after 5 days to see if documents were already received. And to wait 5 more days after that for a resolution. Even though I dont have time, because the leasing office is holding my application.
Consumer complaint received 2015-09-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (MA)

I am unable to talk to this company as they refuse to confirm my identity because they had my date of birth incorrect they put a fraud alert on my report and I have sent them XXXX letters with my license social and SSDI paperwork and passport and they will not remove this alert they ' refuse to allow me to log in and I have been on the phone for days months years please help me get then to remove that information as it is affecting me to get credit cardsThank youThe case number is the most recent
Consumer complaint received 2016-03-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: DISCOVER BANK (MD)

My private student loans that are currently in repayment with Discover Student Loans have an astronomical interest rate and minimum payment. After having a huge mishap on their part because they were unable to inform me that I had missed a payment, decided to refinance with another loan carrier. In this process, I needed to contact Discover to print me a new statement that showed I was current with my payments and had no balance left over for the month so that I could send my completed application to the bank I was refinancing with. After telling me that they would send the new statement, I waited five days and never received it. They " sent me another '' statement. Another three days and never received it. I was then told that they could not even make me a new statement hat showed this information and that they would fax a lenders letter that showed the information I needed. I waited four days for that fax and called everyday. Those four phone calls ended with " it will be sent in the next 24 hours. '' Finally on day 4, I spoke to a supervisor who actively attempted to fax the letter himself. Of course, whether it was my fax machine or theirs, I 'll never know, but the fax failed. They then overnighted me the letter. I now have the letter, however the exact information that I was clear about needing is not on the letter. They are now overnighting me a letter that they claim has the information I need. Regardless, because this whole process has now taken almost a month, I have, once again, paid my minimum payment which is XXXX % my monthly income as a teacher. All I needed was up-to-date information about my loans and all the money I have been paying them. A month to receive that information is unacceptable.
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NC)

Previously deleted information from XXXX XXXX XXXX on Experian ; recent balance and payments incorrect on XXXX, XXXX XXXX XXXX ; Protect MY ID, a subsiduary of Experian Consumer Services had my wrong birth date, incorrect city where I was born, and mother 's maiden name. Reference numbers for the complaints : XXXX ( wrong birth date ) ; XXXX ( system would not take my password or username because it converted information to lower case ) ; XXXX ( incorrect city where I was born ) ; I could not ever get into my ProtectMyID account after speaking with XXXX ( XXXX ) Experian and its ' division have improperly processed my credit information and causing my credit score to be much lower than it should be. XXXX kept deleted items off credit report ; however, Experian adds them back on. Experian employees always give me a very difficult time when I attempt to correct these errors. I spoke with the ProtectMyID on today, XXXX XXXX, 2016, requesting a review of these errors and for Experian to contact me as soon as possible.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TN)

EXPERIAN is illegally and unlawfully reporting information on my credit file. I 'm asking for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form XXXX XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have 30 days to responded to my request. I also need EXPERIAN to present a certified final forensic audit in accordance with XXXX in accordance with basel XXXX accord and XXXX. I also need them to present these documents from the following vendors/creditors : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

A account from XXXX XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade line with the bureau and supplied them with a copy of my police report, the account was removed. However, the bureau re- inserted the entry without informing me- when the account does not belong to me.
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (FL)

Do to recent events that Loan # XXXX is missing a large amount of funds from escrow & loan principal balance, further there is evidence of misapplied, duplicated, removed funds and faulty XXXX. The borrower is requesting evidence which SunTrust has so far ignored. 
SunTrust stating that they originated the loan but now they are only the Servicer NOT the Note holder/Investor. 
Certified Copy of the Note, all Assignments and Endorsements. ( see attached official Request )
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (AR)

Suntrust Mortgage is now sending out monthly statements to consumers that show balance and payment activity through the XXXX of the month. Any payments they receive between the XXXX and XXXX of the month are not shown as paid on time. As a result, consumers are sent billing advices for the next month which state that a double payment is due when in reality it is not. This practice is deceiving and trying to shorten the grace period of 15 days which the Mortgage Agreement allows for.
Consumer complaint received 2016-07-13
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (CO)

Suntrust Bank handles the donations that people give us for our non-for-profit. We mailed in a cash donation along with a check that had been handed to us from a donor. We mailed it as certified mail to ensure that it would arrive at the bank. The USPS has record of delivering the envelope with cash and check in it. The USPS declared after a corporate investigation that Suntrust Bank had received the envelope. The envelope with the cash and check is missing. The check was for {$2000.00} and the cash was {$500.00}. The check has since been cancelled, but the cash is still missing. My complaint is that we are out {$500.00} dollars cash, from what looks like theft while in Suntrust 's care or negligence from Suntrust by losing our deposit. Suntrust will not take responsibility for the money. Suntrust will not take responsibility for losing the envelope, the check and the cash. I have record of it being delivered to Suntrust bank by the USPS.
Consumer complaint received 2016-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (DC)

I am a XXXX and have worked full time since 2012 aside from maternity leave. I was fortunate to qualify for XXXX Loan Repayment through XXXX and XXXX which helps me make payments for 3 years, providing me more money each month than I am required to pay to FedLoan Servicing. 

Recently I submitted my Public Service Loan Forgiveness ( PSLF ) certification but was shocked to see that I have only made XXXX qualifying payments in the 4 years that I have been working at my XXXX. FedLoan Servicing 's justification is that the extra money that I paid on top of what was due, automatically was put towards the next month, disqualifying ALL of those payments from PSLF. 

For each month I made payments from between {$2800.00} and XXXX each month, while only required to pay {$720.00}. My bills however show {$0.00} due every month. 

I find it outrageous and disheartening that by default, overpaying your bill each month would result in " Paid Ahead '' disqualifying payments from the PSLF program, unless I had taken additional steps to personally request that the money not be put towards the following month. I feel like the last 3 years of my payments have been wasted, and my XXXX program actually extended my PSLF months. 

This results in 3 years of additional payments, which is real money. It results in me being locked into a qualifying employment situation for XXXX additional years, all because for a period of time I was able to pay extra. I find it unjustifiable that by default, extra payments have negatively impacted my life.
Consumer complaint received 2017-03-29
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (MS)

Suntrust Mortgage is basing an increase in my escrow account without taking into account an official estimate of my new tax amount for this year. I was eligible to benefit from a significant reduction in my county real estate tax by way of having been granted an over XXXX homestead exemption. My tax was reduced from {$1500.00} to approximately {$600.00}. The new computation is a high estimate based on my previous tax bill of {$150000.00}. 
I received an official document from XXXX XXXX, XXXX on the form that they commonly use for this purpose. The document is signed by the appropriate county employee and, as suggested by Suntrust, sent the document to Suntrust. Suntrust has advised me that they have this form in their possession. 
Suntrust recently calculated my escrow and payment based upon the previously mentioned higher amount. The stated reason was because their research department was unable to verify the new lower tax amount. I admit they I do n't know who they spoke with but I did attempt to have them contact the person that issued me the homestead exemption and the new estimate. The Suntrust employee told me that they do n't work that way. I advised them that federal law protected consumers from this type of problem. My suggestion is that they simply contact the person who signed on the county form and confirm the validity of the document. 
The approximate {$600.00} new tax amount does reflect the homestead reduction and is based upon last year 's tax amount with a reasonable increase in millage rate. In other words it is a county official 's best estimate of what my county tax bill will be for XX/XX/XXXX. 
The increase in my payment is almost {$90.00} per month and is not only burdensome but unfounded. I f they truly have a research department they should resolve this by contacting the county official that signed the document and adjust my escrow appropriately.
Consumer complaint received 2015-12-08
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: RFNA, LP (LA)

I had a loan with Republic Finance LLC whereas I owed {$3000.00} from XXXX/XXXX/XXXX to XXXX XXXX. The loan was for two years. In XXXX XXXX there was a hurricane and I asked the company could I delay paying them until XXXX and they said yes. I had been paying them and if I ran into a problem, I would call them. They put me delinquent on XXXX/XXXX/XXXX where as Republic agreed that I would pay them in XXXX XXXX, but on the credit report they stated the first delinquency was XXXX not XXXX. Tried to file a Judgment against me. I had called them prior to issuing the Judgment and told them that I was going to pay them off in XXXX XXXX. They said okay. They filed a lawsuit for a Judgment on XXXX XXXX, XXXX but the Judgment did not go through because I answered them and said I was going to pay the loan off. They sent to the credit bureau that I was in collection and was never in collection, that I was {$540.00} past due and I was not. Put down I had XXXX 30 days late and XXXX 60 days late to ruin my credit even though I paid them {$1400.00} in XXXX XXXX. They filed against me and my husband because we had a house. After explain the situation in an Answer, the Judgment was not file but tried to make me pay a collection which did not happen. I told them that I was going to pay them off in XXXX XXXX. They wanted a Judgment and since the Judgement did not happen, they put down I was in collection from XXXX through XXXX XXXX. This was Republic Finance LLC, XXXX XXXX, Manager but they moved from the address. The address of the home office of Republic Finance is XXXX LA XXXX. XXXX number XXXX. The account # XXXX. They have ruined my credit when I paid them off eight months before. Republic put down that I had 30 days past due on XXXX, XXXX, and XXXX and 60 days past due on XXXX, XXXX and XXXX and collections for XXXX, XXXX and XXXX. Never received anything but the Judgment they tried to do. This was done to put a lien against my home. Did not try to work it out. The loan was {$120.00} a month. When I did not pay on the due date, I paid the {$10.00} late charge. Sent me a letter on XXXX/XXXX/XXXX and filed lawsuit on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, told them I was going to pay them off in XXXX. On XXXX/XXXX/XXXX paid {$130.00} with check # XXXX, XXXX/XXXX/XXXX paid {$130.00} with check # XXXX, XXXX/XXXX/XXXX paid {$130.00} with check # XXXX and on XXXX/XXXX/XXXX paid {$130.00} with check # XXXX, therefore, I could not have the 30 days past due or the 60 day as stated by Republic. They told the credit bureau that I paid off the collection which was never in collection. This company did not care that I was going to pay off this loan and deliberately put incorrect information in the credit bureau to ruin my credit. Companies like Republic Finance , LLC should be investigated for the strategies used on consumer. I talked the District Manager several occasions but upheld what was done.
Consumer complaint received 2015-08-31
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (NY)

I discovered after closing my business that an employee had applied for a Discover Card in my name. After multiple attempts with certified letters requesting proof of my signature and debt validation I never received proof. Finally, after XXXX years the derogatory information falls off my credit report. On year XXXX Discover filed a 1099, as you know this is a fraudulent filing, but the IRS does not know it is, and I have the IRS coming after me for thousands I do not owe. 
I have a statement showing the charge off in XXXX. I need Discover to cancel the 1099 asap.
Consumer complaint received 2015-06-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

I had funds from a XXXX that were rolled over automatically to an IRA account. I was notified over 30 days ago and forgot about this. Today ( XXXX/XXXX/2015 ) I received a letter saying I have 7 days to close the IRA account if I do n't want it. I have option to roll over these funds to an existing IRA with another bank. The issue here is the letter was dated XX/XX/XXXX and the IRA was opened XXXX. Today is the XXXX day and I have zero recourse. I argued with these people over the phone today ( XX/XX/XXXX ) and got no where to resolve this problem. A supervisor is or was supposed to call me back, but that never happened. It 's not my fault the postal service delivered the letter late. Now they 're telling me I have to fill out a bunch of forms to open the account I do n't want in order to access my funds. I want proper recourse that I was intended.
Consumer complaint received 2016-09-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (NY)

I recently refinanced my loan ( after a lot of hard work ), and discovered that I previously made payments to the loan equal to almost twice the original loan amount. This sounds crazy to me, and I think I may have been taken advantage of by the loan provider. Please note I only finished my degree ( XXXX ) XX/XX/XXXX, and the original loan taken out was for my degree. 

The original student loan was for : {$42000.00} I noticed they gave me an obscenely high interest rate of 11.75 % - unsure if that was even legal in the first place. I simply do n't know, and am concerned I was taken advantage of. 
In their summary I see the following : Payments To Date {$80000.00} Principal {$64000.00} Interest {$16000.00} Late Fees {$0.00} I wanted to know if there is any protection for consumers when a loan provider takes advantage of us. Is there any protection so we do n't spend almost two times the original amount. I would be debt free right now if it was n't for them.
Consumer complaint received 2016-05-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

I found out from XXXX and experian and XXXX that this company had me signed up for services since XX/XX/XXXX-XX/XX/XXXX which is suppose to be owned by Experian they have ruined my life for the last 8 years I ca n't even get a credit card mortgage auto utilities etc I have severe health issues and the emotional damage they have caused me and my XXXX kids is indescribable and we have been hungry poor sick homeless helpless also in dangerous situations