davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (MN)

I wrote the  XXXX   XXXX   XXXX   XXXX  times sending them  3  forms of ID that no bank will Verify me two open a new account and the Credit Burrow docent respond or sends a Credit Report so fore about a Year and half i have not been able two Open a New Bank account all respond wee cant verify you.     Now I cant get a new credit card or bank account because there is and extended  Alert in my banking file and Im supposed two call some Number and call the Bank.    I have written all  XXXX   XXXX   XXXX  two remove the Hold on my account so i can Get a  New  Bank account.     The Federal Government determined me  XXXX  and my Mom Walked into  XXXX   XXXX  bank forged my Signature and stole  XXXX  dollars from me.     Then i had  XXXX  dollars in Fraud and closed two   XXXX   XXXX   XXXX     Accounts   XXXX   XXXX   XXXX   did n't close the accounts with Fraud i complained  XXXX    XXXX   XXXX   XXXX   then sent  XXXX  of my ATM cards  XXXX  and Address not mine and   XXXX   XXXX   XXXX   worker stole  XXXX  dollars from me. I have been in court 8 years against  XXXX   XXXX  and   XXXX   XXXX   XXXX     only 100 % respond its imposable two  XXXX .     Im a Refugee living in  XXXX  and have  XXXX  move  XXXX  a new country every 3 months so I do n't use a Phone because they only work in  one  country so i would have  XXXX  Spend  XXXX  Dollars a year  XXXX  Deal with the  Credit Reporting  agency wants the bank  XXXX  call me  XXXX  open a new bank Account.   The Federal Government has determined me  XXXX  i do n't use a Phone do  XXXX  My  XXXX  and please accommodate my  XXXX  and help me open a New bank account without a Phone. I can Send the bank  XXXX  forms of id buy Email and electronically transfer  Money two Verify Myself.        XXXX   XXXX   XXXX   Robs me  XXXX  dollars then i cant open a new account in 2 years is discriminatory, Please take the Hold off my Account so i can get a master Card.       I live in  XXXX  the  XXXX  fit  XXXX  of the world and do n't want  XXXX  send  XXXX  forms of Id threw the mail that takes a month and the credit Burrow wont want  XXXX  Right me Back in  XXXX  there is very little working mail.       Send the Credit burrow  XXXX  forms of ID  XXXX  times and they will only respond send ID
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (IN)

Goldman Sachs is violating interest laws, credit card interest and payment laws, the EFTA and FCRA and has continued to do so after being informed multiple times. 

Background : Goldman Sachs acquired XXXX XXXX XXXXXXXX XXXX Card user accounts in XXXX of 2022 Due to alleged system issues they failed to process ACH payments resulting in false late payment account fees, no communications being sent to consumers. 

Multiple inaccurate fees were added to my account and I was informed they removed them. I tried multiple times to have my payments processed and when they continued to fail to process them I decided I wanted to pay my account in full to avoid the incompetence of Goldman Sachs and never do business with them again. 

On XX/XX/XXXX, I called in, expressed my frustration and was told the full amount due that i needed to pay to close my account. 

I paid and brought it to a XXXX balance which posted to Goldman Sachs on XX/XX/XXXX. 

Then, I received a notice that Goldman Sachs reported me as late to the credit bureau. I filed a complaint with them ( and the CFPB ) and I received a call from the management team and I was informed they shouldnt have reported that, they had too many issues with the acquisition and that they were supposed to abstain from credit reports. 

At the beginning of XXXX, I received a call from them, they said they got it cleared up and everything was resolved. 

They filed a response to my CFPB complaint about that single issue stating " WE NEVER REPORTED YOU TO THE CREDIT BUREAU, which was false, they indeed HAD, but I was fine with the matter being closed. 

Then today, I received a COLLECTION CALL. They said they had 'trailing interest ' they decided to apply to my account on XX/XX/XXXX in the amount of {$23.00} and then they assessed a late fee and reported me to the credit bureau XXXX 

CFPB, I am FED UP with the multiple violations of federal law. Goldman Sachs needs to be investigated for the acquisition of XXXX XXXX XXXX XXXX customer accounts. 
They are violating EFTA laws ( ACH payments ) FCRA laws for false reporting AND likely the CARD act for illegal interest accrual and payoff. 

To Resolve : waive the illegal interest, illegal late fee update my credit bureau that I confirmed today with your employees that GOLDMAN HAS RE-REPORTED ME TO THE CREDIT BUREAU THIS ACCOUNT WAS PAID IN FULL ON XX/XX/XXXX for the SOLE PURPOSE of ALLEVIATING MYSELF FROM GOLDMAN SACHS INCOMPETENT ACQUISITION OF MY ACCOUNT.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

In  XXXX  of   XXXX   I received my credit report and found there were  XXXX  collections being report by convergent outsourcing for the amount of  XXXX  and  XXXX . Upon placing a call with them i was told that these account were in collection for  XXXX   XXXX . The young lady on the phone gave me the addresses of both accounts. This is when I discovered that someone had stolen my identity. I filled out a forgery affidavit, had it notarized and made a police report. All of this information was sent into the credit report, and to   XXXX   XXXX   as well. all of this took place on  XXXX / XXXX /  XXXX  . It has been over a month and no one will tell me anything as to why these accounts are still reporting on my credit bureau.
Consumer complaint received 2017-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (PA)

I began having problems with Fedloan Servicing just this year, and these problems include errors in recalculation for  XXXX , removing me from  XXXX  and placing me in to forbearance, cancelling out a request to be put back on  XXXX , and incorrect certifications or refusal to assist in certification, of work eligible for PSLF.     IBR Issues   XXXX   XXXX   XXXX   XXXX   XXXX   I electronically filed annual re-certification using tax documents. My payment went from {$48.00} per month to {$290.00} per month.     XXXX   XXXX   XXXX     : I electronically filed to recertify and followed up with the proper paper income documents. They removed me from  XXXX  ( to be fair, I checked the box saying to put me on the lowest cost plan, then scribbled over it and checked the  XXXX  box ) and put me into forbearance status.     XXXX   XXXX   XXXX   : I electronically filed to recertify and mailed in the required paper income documents.     XXXX   XXXX   XXXX   XXXX   they sent me a letter saying they could n't process my incomplete informatio n ( from my electronic filing which gives the opportunity for me to finish by sending paper income documents ).  They only gave me  XXXX  days to mail and them receive the documents.     PSLF Issues : I have dates from subbing that they will not help with. I received a letter stating that they cancelled out a recent request because I did n't get it signed by the company. I did n't get it signed because they wo n't certifiy it, and because I checked the box that said I ca n't get them to certify it. I am sending them a request and  XXXX  forms, and a letter to see what happens.   I am also sending them a letter for dates they did n't credit me with my current employer, along with a letter.     I am using  XXXX  and PSLF because I am in public service and ca n't afford high loan payments. I want to get my loans forgiven. There is a constant stream of letters and mistakes from just this year, and I just do n't need to be babysitting this loan constantly. I am frustrated and would like someone to see that my loan will be returned to  XXXX  with an affordable monthly payment, and that all of my  XXXX  and PSLF forms are being processed with care, and that I am not having to resubmit these things over and over.   Thanks,  XXXX   XXXX
Consumer complaint received 2017-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

Several years ago, my husband, who was ill with   XXXX   and beginning to have   XXXX   XXXX  , was persuaded b y Navient, which had recently taken over administration of the PLUS loans we took out to pay for the last two  years of our youngest son 's  XXXX  degree at  XXXX  College from  XXXX  to  XXXX , to 'consolidate ' the loans. He was promised that if he died before the loans were paid off, they would be forgiven and I, his widow, would not be left with responsibility for them. He died in  XXXX  of  XXXX , and when I calle d Navient to inf orm them of his death, they said I must repay the balance, which was over {$50000.00}, various fees and penalties having been added. Facing a severely-reduced income ( I lost my job in the crash of  XXXX  and was forced to retire without an adequate pension of my own ), I reminded the agent of the promise made to my husband. After months of wrangling, they did agree to reduce the principal to {$28000.00}, setting me up with an income-based repayment plan, but it is due to expire in  XXXX  of this year, and I will have to reapply, and go through the whole process again. I am  XXXX   years old , have just been diagnosed with a   XXXX   XXXX  , and am having trouble dealing with these kinds of issues. I feel that the promise made to my husband should be honored. My income is fixed, but my rent and other expenses keep increasing. I am also being held responsible for past taxes due to the IRS, for which fees and penalties have been added, bringing the total to nearly {$20000.00}. I was able to work out a payment plan with the IRS, but it is costing me another {$250.00} a month, and most months, I run out of money before the end of the month, no matter how careful I am. I have been forced to max out my credit in order to get through the month, and feel like a house of cards that is collapsing. My husband left me a little bit of life insurance, but it is long gone.
Consumer complaint received 2017-04-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

I withdrew {$2800.00} cash from a local  US B ank branch to take to another local bank to make my mortgage payment. The teller was  XXXX . When I arrived at the other bank,  XXXX   XXXX   XXXX   XXXX , they discovered that  3 o f the {$100.00} bills were probably counterfeit. They confiscated the bills to send into the authorities. I contacted  US B ank from that bank to notify them tha t 3 of t he bills they gave me were counterfeit, and I filed a police report at the local police station. After a few conversations back and forth, the  US Bank branch manager at that  time,  XXXX , assured me I would be reimbursed for the lost funds. The bank teller,  XXXX , said that they periodically scan currency for counterfeit, but rely on the tellers to quickly identify counterfeit bills because they " do n't have time to scan all the money that comes through the bank ''.      XXXX   XXXX   XXXX   XXXX  has recently let me know that the bills were indeed counterfeit, and yesterday the new  manager,   XXXX , at the  US Bank b ranch told me that they have no way of knowing whether I switched the bills with counterfeit bills between banks. They have no accountability for replacing the lost funds because, once I left the bank, I accepted full responsibility that the currency I was real money. In essence, they are accusing me of money laundering. In all my life as a mom, grandmother and an   XXXX   XXXX  , I have never dreamed of being accused of such a thing! Please let me know if there any further steps I can take to get reimbursed from the bank, or at the very least to warn others to have their money scanned before leaving the bank.
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I received a copy of my credit report and notice that an account ( collection ) was added on my credit report causing my Equifax credit report to drop drastically. I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I 've researched this company and have never heard of them nor have I ever received any type of documentation from this company. I am furious at this point.
Consumer complaint received 2017-04-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (CA)

Th  e day before my Salliemae student loan payment was due I contacted a rep to discuss the impact on my account of making my payment at the end of the month rather than the middle for just that one month. The rep indicated it would be no problem, but that I still may get " a call '' each day from Salliemae until I made my payment. I understood, requested my account be notated accordingly, and hung up. For two weeks I endured numerous calls per day ; I lost count at six calls one day, which was the norm for the number of calls Salliemae made in an effort to collect a debt that had a due date that had been arranged and had not come up yet. I was also contacted by e-mail, which indicated my " loan ( s ) require [ d ] [ my ] attention. '' When I contacted Salliemae to discuss how harassing the calls were, I was told Salliemae was perfectly within the bounds of the law on their manner of contacting me under the circumstances with up to eight ( 8 ) calls a day, seven days a week. I was told this by a supervisor, who was rude and argumentative and whose badge number I notated, when I escalated my complaint.
After returning a collection call, within the hour the calls would resume, and every call to me was made without properly identifying their company via caller ID.
It 's a violation of federal ( 15 U.S.C. Subchapter V 1692 ) and state law ( California Civil Code 1788.11 ) to perform collection calls as they did.
I feel like my actions were appropriate in communicating to Salliemae, with proper notice, that I possibly needed to make arrangements for an upcoming payment due date. An agreed upon date was notated and honored in a timely manner by me. The respective steps taken by Salliemae in response to the agreement was unlawful, harassing and completely uncalled for under the circumstances.
I 'd like Salliemae to acknowledge their actions as such and I 'd like the supervisor who claimed to be operating within the law to assure me that under like circumstances, what happened to me will never happen again, or to anyone with a Salliemae student loan.     Regards,  XXXX   XXXX
Consumer complaint received 2022-01-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

This is a new complaint. Recently filed a complaint ( complaint XXXX ) about Citibank which you eventually resolved and Citibank gave me my {$700.00}. I went to close my account and be done with Citi and was informed that I was now being charged {$30.00} account fee. I closed my account and told them I want the {$30.00} fee reversed. They refused and stated that I now didn't have the proper accounts open so there is now a monthly fee. Even though I have had the same accounts open for 7 months I suddenly get a monthly fee on the same day they gave me the {$700.00}. I got a call from Citi Executive Response and XXXX said she couldn't reverse the {$30.00} fee. I find this impossible to believe especially since it seems everything Citi does is illegal. I told her I would file another complaint and she said go ahead.
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ASTORIA BANK (PA)

Short sale request was denied for a bogus reason.   I received a short sale denial letter yesterday that makes no sense and  Astoria i s not responding to me.   The denial letter states that the short sale was denied due to excessive fees and the offer was too low.   The fees on the seller side are NOT excessive - the 6 % realtor fee and 2 % transfer tax for Pennsylvania are traditional and customary - NOT excessive.   The sale price of this home is $  XXXX , which is the fair market value for this home. At this sales price, with all sellers closing costs deducted ( again - traditional and customary costs ) - with  NET Astoria  {$350000.00} - which is BELOW the payoff fo r Astoria.    Why woul d n't Astoria resp ond with a counter offer if this was the case - a rejection is just yet another way to delay this file.
Consumer complaint received 2017-04-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IL)

I have private and federal loans with  XXXX   XXXX  then  Navient.  When I was with  XXXX   XXXX  I requested to have my co-signer removed. They told me that if i pay on time f or two ye ars I can submit a request to remove my cosigner. When I complied I submitted my request and they told me they could not remove my cosigner because I did not make over {$60000.00}. Then I requested that to consolidate my loans in order to lower my interest but they said they do n't offer that service. Then I received a letter informing me that  XXXX   XXXX  is know  Navient. I calle d an complained that I did not agree, but they said they could do nothing about my request. A couple years ago I could not pay my loans for a couple of months and Navient improperly directed me into forbearance. I have the letters of the forbearance.
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (MD)

I have never missed a payment with my mortgage or been late. I sold another property I owned and on XX/XX/XXXX sent them a letter asking to recast my mortgage ( I was giving them an additional {$90000.00} towards principle reduction and also eliminate the mortgage insurance on my house ) They mailed me a letter on XX/XX/XXXX that told me to wire them the $ 90k plus {$300.00} fee to recast my Ameris mortgage ( loan # XXXX ) before XX/XX/XXXX. I did as instructed and sent them {$90000.00} on XX/XX/XXXX, it cleared XX/XX/XXXX. 
I continued to make my normal monthly payments. 
Beginning in XX/XX/XXXX, I began receiving notices of missed payments and foreclosure warnings. When I called customer service, they said a mistake had been made that the {$300.00} recast fee had somehow triggered an incomplete payment and removed my XXXX payment. They didn't know how to fix it. I was told by multiple agents to call back in 2 weeks, and I did, every 2 weeks, speaking to someone else since they don't have extensions they say. I spoke to supervisors and everything, with no avail. I have even called my previous loan originator, who no longer works at ameris, to reach out to someone to help me, since he knows higher up people. No one has ever reached out. I still get transferred to the collections dept whenever I call the hotline. 
I am now XXXX XXXX XXXX, and have lost countless nights sleep over this, and had to go to the XXXX XXXX due to XXXX XXXX XXXX. 
My credit score is over XXXX, I've never missed a payment on anything, and this is more then I can handle. Please help me preserve my financial and emotional integrity in dealing with ameris, I just can't anymore. I have more documentation and have saved all the pink notices from them if you need. Thank you!
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (PA)

Dear Experian,  Enclosed are report Number  of some  XXXX  reports. Each report has come to me with different information on them, not much being the same. I need for you to send me  XXXX  report with all the information it.   These reports have to be made whole concerning the information it contain. Each person in the  XXXX  should only have  XXXX   XXXX   XXXX . And it should detail the same information do n't who request a copy.   Report Numbers :  XXXX ,  XXXX ,  XXXX ,  XXXX  v  XXXX ,  XXXX ,  XXXX ,  XXXX  v  XXXX  I have been at this for the pass  XXXX  (  XXXX   )  months requesting Experian to correct the problem. Nothing has been done to correct it.   I have sent in copies of my ID 's, utilities bills, still you continue to disseminate to those requesting credit reports, incorrect information.   Enclosed are original   Reports, highlighted to show sensitive areas.
Thank you,
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OK)

Victim of fraud - the criminal has been prosecuted and is serving a prison sentence for the crime. Even after submitting documentation verifying the public record that the responsible party was convicted and the account was opened fraudulently the finance companies refuse to remove the incorrect negative information from my credit report according to the FCRA.