davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: KEYCORP ()

I would like to make an affordability complaint and refund of interest charges plus statutory interest and compensation due to these loans made available to me due to inadequate affordability assessment. 
I have only been made aware of this recently by reading on the internet web sites and I am persuing affordability complaints in the XXXX regarding my payday loans - full history is available on request. 
I was introduced to an off shore XXXX University XXXX based in the XXXX and was acceptable for a student loan through my XXXX school - office based in the USA : XXXX, Massachusetts XXXX, United States Phone : XXXX Fax : XXXX ; back in XXXX, I am not sure if this would be counted as a private student loan? 

Although I am a XXXX citizen since XXXX and resident, I had to get my cousin who is USA citizen to Co-sign for the loans x XXXX ( approx {$16000.00} x XXXX ) to pay for the education fees, which I am still currently paying off as priority, but with difficulty and do not wish to put this burden onto my cousin for falling behind on payments. 
This is causing severe financial distress and inconvenience, due to inadequate affordability checks prior to issuing the loans and also over the years this has not been checked. 
I was on forbearance for 4 years after graduating as I could not afford re payment and was unemployed during that time - XXXX - XXXX. I started repaying from around XXXX. 
No affordability checks were made prior to granting the loan, nor when I started to repay. 
The student loans were directly payable to the XXXX school from the American student loan company, so I had no access to the funds in any way to cover other educational expenses, which I had to take control of myself. 
I am also not happy with the customer service as I previously made a payment and I tried to delay it, but they banked the check, just to make me overdrawn and had to pay extra bank charges. 
Over the last 10years or so, I have been in considerable financial distress due to this and I had to take out many payday loans to cover my student loans as priority as my cousin in the USA is the co-signor and did not want it to affect their credit history, and everyday expenses. I had to continually borrow from many lenders to get by every month and deepened and spiralled into mounting debt, with financial XXXX. 
I therefore, as fair resolution, request a refund of interest charges plus accruable interest and compensation the way they have handled my loans disbursements without adequate affordability checks and credit file removed from the credit history.
Consumer complaint received 2015-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (LA)

I have disputed XXXX accounts as of XXXX that are listed on my credit file and the accounts have been " verified '' however, today when I called them, they stated that they could n't discuss the accounts with me because they were n't in my name. This makes no sense whatsoever. How can they continue to report on my credit file but they ca n't discuss the account details due to the account not being mine. I am trying to purchase a home and I am 100 % XXXX as well as XXXX and it 's rediculus that I have to fight this battle over a debt that is n't mine and I 'm about to lose my house because of this as well.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MI)

I applied for a XXXX $ student loan to pay for my first year of college because I had applied too late to qualify for fafsa. My grandmother co-signed for me and all was ok. I was in school for 3 years and it was n't working out for me, I had family issues and could n't find what I wanted to do with my career. So I dropped out and just was working. By the time I had to pay on my loan it was up to XXXX . As far as I knew if I was in school interest did not accrue. I also was working a XXXX job part time and could barely pay living expenses. I called to try working anything out and I got rude comments and asked me why my cosigner could n't pay. My grandmother was put in a XXXX in XXXX and passed away in XXXX. I keep getting calls and I have told them many many times that she has passed away and they make a note but always ask me if my cosigner can do anything. No she ca n't because she has passed away. That really hurts when I keep having to explain it everytime. Now I have XXXX kids and I want to try going back to school to become and XXXX but I just ca n't handle any more student loans. I took a XXXX course through a XXXX college that michigan works help pay for and have been in the XXXX field for 4 years and love it. Just wish I could get over this hump so that I could finish school and do what I was meant to do. It really is XXXX harmful when they bring up questions about my grandmother when I have told them countless times why she can not help me.
Consumer complaint received 2016-08-17
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (CA)

Dear Consumer Financial Protection Bureau, This is in regards to Seterus not following through with providing me a copy of the Deed of Reconveyance and the correction of my credit file with the XXXX credit bureaus in a timely manner. I have been calling and have sent letters to Seterus since XXXX XXXX letting them know that the loan was paid in full before the loan was transferred to them. In addition, Seterus as sent letters to me in response to my letter and complaints XXXX XXXX regarding that they are aware of the situation and will process my request accordingly. It has been over 8 months since they said they would process the Deed of XXXX and correct my credit file with XXXX. Furthermore, as a result of this, I ca n't sell or refinance my home and my credit has suffered tremendously. Finally, I would like Seturs to send proper documentation, which is a Deed of Reconveyance to XXXX XXXX of XXXX that the loan was paid in full and to correct the negative reporting on my credit reports from year XXXX to XXXX as soon as possible and so that I do n't lose on any gains. Thank you in advance for your assistance. Should you have any questions, please contact XXXX XXXX at XXXX XXXX XXXX XXXX. Thank you.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MI)

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX   credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX and again XX/XX/XXXX that she did not authorize with XXXX XXXX. An official dispute of this action was sent to XXXX XXXX XX/XX/XXXX however as of this date no response or reply has been received as to the outcome of the investigation which is a violation of FCRA. 
In addition an application was filed with Sears/CBNA XX/XX/XXXX and the official dispute of this was sent to CBNA XX/XX/XXXX and again, no notification was sent to my client concerning the outcome of the dispute status which is also a violation of CFRA.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

I had an credit card account that went to default XXXX XXXX XXXX in XXXX, and it was charged off and this item was sold to a debt purchaser - XXXX XXXX. 
There is incomplete - inaccurate data on my report - with all Major CRA 's. This information has been disputed at least XXXX with all XXXX. 

XXXX. Through Experience XXXX - This Account shows " OPEN " and, with missing critical account details, such as its actual status. This item has been communicated as a dispute to all CRA 's. 
XXXX. On XXXX Reports in XXXX - XXXX through current, lack any payment history - " Type '', is not Credit Card its blank. XXXX Reported is XXXX XXXX, I believe is the original delinquency date, MAKING this account to old to report. 
On Experience printed reports, this account is incomplete and inaccurate. 

There is no Payment XXXX/Equifax - the Payment history does NOT match the " Last Payment made date '', and the other dates are not consistent. 



Despite my continued disputes - this account has never been updated and remains, and in spite of the FCRA which says that incomplete records, must be deleted.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (AL)

There are several inquiries on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Equifax. Equifax has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Equifax to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Equifax have failed to provide me proof that I authorized these inquires. Equifax has also failed to remove these inquiries from my report as they were not authorized by and are now FRAUD inquires. 
1. XXXX XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX2. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX3. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX4. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX5. XXXX XXXX - Date of inquiry XXXX & XXXX/XXXX/XXXX6. XXXX XXXX GA - Date of inquiry XXXX/XXXX/XXXX, XXXX/XXXX/XXXX7. XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX8. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX9. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX10. XXXX XXXX XXXX of inquiry - XXXX/XXXX/XXXX11. XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX12. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

Company Equifax keep reporting XXXX as a collection account with monies owed On XXXX XXXX 2015 Judge ruled against that order and I am no longer liable for collection on this account Its negative reporting has caused me to suffer change has come
Consumer complaint received 2015-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (SC)

I have attempted by indentification documents, documents citing the name change by the social security administration, to include the merging, mixing, and citing that there are XXXX such individuals with the same name as I have, citing that in a letter from the social security administration, and instead this corporation instead of accurately investigating the issue, just includes the others name on my credit report, and states that they verified the information, which is factually inaccurate. Experian is the worst, in support of the organizations that pay them, they will just restrict consumers from disputing online, citing they have already investigated a issue, when in fact they have n't, but still get paid to perform the same. In my mailing the dispute, i included IRS forms XXXX, XXXX, Social Security Cards, income verification from the social security adminstration, address verification showing my actual name, and it was ignored for profiteering. 
On my credit report there appears XXXX name identifications which are n't mine, neither as included in my dispute mailing per the social security verification system, does n't verify to my social security number, yet Experian states that such is verified, which is factually inaccurate, and malice in support of financial gain. The names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all are someone elses. To wit, XXXX XXXX XXXX XXXX, is my son, XXXX, date of birth XX/XX/XXXX. XXXX XXXX XXXX is my brother, XXXX, XXXX XXXX is XXXX. Experian allows unauthorized inquiries, and items upon the credit report, without verification of even the correct name, it 's profiteering, not investigating motivation.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

Dear sir/madam, as I was going through my credit report on Experian few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called XXXX XXXX. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX XXXX OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with XXXX XXXX , XXXX XXXX or any of their affiliates. 
I am requesting that XXXX and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I had a credit card account with XXXX XXXX I could not pay in full. I reached an agreement with them last year for a partial payment which was made then they closed my account. However Experian refuses to correctly report this account even though I have notified them of the error three times. They are still listing it as charged off in XXXX, XXXX, not XXXX as should be. Also they have the charge off amount incorrectly stated as {$5500.00}, when it is actually only {$2200.00}. 
I have explained this to Experian in detail with documentation and the settlement agreement. They still refuse to correctly report this account.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX I contancted Experian, XXXX and XXXX. to remove comments regarding a dispute. I went on record to remove the comments that I was disputing. Because I was trying to refinance my home the comments where affecting me in obtaining a loan. XXXX and XXXX removed them immediately. Experian said they had to get ahold of the person who I was disputing an ambulance bill that was not mine but my husbands. Experian said I had to wait 30 days. I was very angry but waited the 30 days then they said they could not remove the comments because the collection agency said not to remove them. The comments where that I was disputing this item. the comments came from me. How can a third party tell Experian what to do with comments I generated. till today XXXX XXXX they do not want to remove the comment that says I am disputing that claim.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NJ)

The Fair Credit Reporting Act entitles each consumer to XXXX free disclosure every XXXX months from each of the major credit reporting agencies, XXXX, Experian and XXXX. In XX/XX/XXXX I requested a copy of my free credit reports from XXXX, Experian and XXXX XXXX. I only received the credit report from XXXX. 
I attempted today, XX/XX/XXXX, to request a credit report from XXXX for my Experian and XXXX XXXX reports and received the message that I 'd already received my free credit report for the year. When contacting XXXX XXXX XXXX and the XXXX ( XXXX ) agencies mentioned above by phone, there are no options to suit my current situation. Thus requiring a letter be sent instead. However, neither XXXX or Experian list an address suitable to my situation leaving me to choose XXXX that may be incorrect.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (NY)

I am XXXX. I recently obtained a program for my phone which makes it possible for me to see my XXXX bank statements. When I checked them I saw that my balance was lower than it should have been and I went to XXXX XXXX to ask them to investigate. I found out that Experian has been deducting fees from my account since XXXX 2011 every month, but I never signed up for any service with Experian. The bank found the charges were unauthorized and refunded three months of the charges, but said they could not go back further. I contacted Experian and they claim that I signed up for a free trial and never cancelled, but I never signed up for any trial. They are refusing to refund me the charges. I did not discover the fraud earlier because I was unable to review my bank statements because I am XXXX. Since I did not receive any statements or services from Experian, I had no idea someone opened an account in my name.
Consumer complaint received 2017-03-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP (WI)

In XX/XX/XXXX, I received a mailed notice from Elan, who had taken over my credit cards from the prior company that had jurisdiction over them This notice informed me that Elan would be nearly doubling my interest rate on the credit card ( s ). The notice did not indicate any justification or reason whatsoever as to why this was happening. Considering that I was a loyal customer with the specific credit cards in question and had a good payment history, this was unacceptable. Per the instructions on the notification, I mailed a signed letter to the address provided that prohibited Elan from raising the interest rates on any credit cards that I may have with them. The deadline was for a date in XX/XX/XXXX. I mailed my notice on XX/XX/XXXX. When I received my statement for the XX/XX/XXXX due date that year, I immediately noticed that Elan had blatantly disregarded my letter and had had raised the interest rate anyway. I immediately informed the company of my letter and they stated they had not received it. Even though I was informing them over the phone right then and there that the notice had been sent per their instructions, they blatantly refused to acknowledge my concerns and, instead of taking any kind of appropriate action, continued to charge me the higher interest rate. In addition, despite what Elan believes, they are charging me the higher interest rate for the ENTIRE balance, not just from any purchases that were made after XX/XX/XXXX which is what they claim. This caused my minimum amount due to skyrocket, essentially preventing me from making my payments. This was irrelevant any way, as I had never authorized the increased interest rate percentage in the first place. I mailed the same date notice to them again in XX/XX/XXXX, but they still claim to have never received it and never took any action. I continued to make good faith payments and did several follow ups but no one at Elan resolved the situation, so after over a year of this, payment ceased until Elan properly resolved the issue. They were infromed of this by phone multiple times. In early XX/XX/XXXX I spoke to supervisor in their escalation department who identified herself as XXXX. On the same day I spoke with her, I FAXED my letter to her directly at her request and have a receipt of this fax that shows that Elan successfully did receive it. She informed me that she would finally resolve these issues and would be contacting me on the following Tuesday to confirm that she had taken action and resolved all issues to MY SATISFACTION. Not only did I never receive a call or any type of contact whatsoever by the agreed upon date, but when I called the escalation department back and asked to speak with XXXX, the male representative laughed and hung up. These calls are on record with my phone provider as evidence.
Consumer complaint received 2016-12-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I applied for USBANK checking account along with visa signature card since they were offering {$150.00} bonus. Also they were offering {$100.00} credit if you spend {$500.00} within a month. I completed both requirements and to my dismay I was denied the promotions they were offering after I made a balance transfer and spend over {$500.00} on the credit card. After writing to XXXX/CFPB USBANK agreed to fix the credit card promotion. But I still do n't see {$100.00} credit. But I was denied checking account promotion. I was told that I have n't opened the correct checking account. 

I called USBANK online customer care right after I opened the account and asked them if account is opened correctly. I was told as long as I entered the promo code correctly I am eligible to receive the Bank promotion. It has been more than 3 months and no {$150.00} promotion was applied to my acct. When I called USBANK customer care on the phone they asked me to call the branch in XXXX. It seems they do n't know what they are doing. I called bank last week and they told me checking account was not open properly to receive the bonus after investigating this issue for few days. US Bank online customer care did n't do due diligence when I called customer support right after opening the checking account and followed all the instructions to receive the bonus including direct deposit.
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MN)

My Mortgage is with US Bank, I have reached 76 % of the original sales value of the loan and they bank refuses to take the PMI off the loan.I have contacted them 3 times. I 'm not asking for a manual removal, instead the automatic removal should 've been done. Also, I have read the original papers i signed at closing and my Mortagage is not a high risk loan. According to them I will require an appraisal I need to pay to get this done. I have read the Homeowners Protection Act and all the documentation. There is nothing regarding this. 
Thanks for your help.
Consumer complaint received 2017-01-30
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP (AZ)

I received a gift card ( {$100.00} value ) as a gift in original package. On XX/XX/XXXX I opened the package and went shopping at a local grocery store. The card only showed of balance of {$12.00}. I verified the transaction history and it showed a transaction of {$84.00} on XX/XX/XXXX ( before even opening the card package ). Called customer service at the number indicated on the card. They wanted my fax number. I explained that I do not have a fax. They asked me to fax copies of the card and the package, which I did on XX/XX/XXXX. I expect a reimbursement on the {$84.00} transaction I did not authorized.