davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OR)

Experian credit bureau denies receipt of a request for deletion of a collection account from XXXX XXXX XXXX. XXXX XXXX XXXX informed me they sent the deletion request on XXXX/XXXX/16, Today, XXXX/XXXX/16, XXXX XXXX informed me they sent a request to all XXXX credit bureaus a total of 3 times. XXXX XXXX is a 3rd party vender for the city of XXXX XXXX, who issued me citations because a tenant failed to water the lawn. I paid the citations in early XXXX, 2016.
Consumer complaint received 2016-04-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK (NY)

This our XXXX case we were forced to open with Discover as they completely ignored the issue citing unfounded claims. I have had an ongoing issue with Discover. They reported incorrect enrollment dates for XXXX and residency, based upon which I was charged exorbitant late fees while in school deferment periods. We have also had issues with premature capitalization occurring while I was in medical school, as well as multiple erroneous and fraudulent capitalizations on same loan during valid in school deferment status. At this point we were informed that Discover has changed their records to erase evidence of the school status. We tried resolving the issue with Discover directly and have been " bounced '' around from specialist to specialist, finally dealing with XXXX XXXX in the Executive Offices. She was both aggressive and antagonistic when I asked how to help resolve these issues. We decided to involve the CFPB instead of a lawyer at this time as we can not afford to pay hourly fees for legal representation. We have been charged exorbitant amounts of money and we are certain that Discover is guilty of fraudulent record keeping and egregious mismanagement of my Student Loan accounts. 
XXXX XXXX XXXX
Consumer complaint received 2017-10-11
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rubin & Rothman, LLC (NY)

My husband had financed a car from XXXX car 's and he had lost his job so he had to give the car back because he was n't able to finish paying for it,. Then i think a year later i received a letter about a debt that i owed from a lawyers office and my bank account got frozen,. My rent was late because i could n't take out the money for my rent since the lawyers office they obtained documents to freeze my bank account,. I co signed for the car and my name is the only XXXX that there sending letters too,. My husband had called to setup payments they never called back and then few months later i get a letter from XXXX XXXX XXXX 's office a city marshal that there getting into my wages to take out the debt,. They contacted my employer about the matter and the letter said that they will take out the money from my wages from work,. My supervisor called me regarding this matter,. I am embarrassed and humiliated that they have to go through my employer and i can loose my job regarding this matter. Thank you.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: STATE FARM BANK, FSB (OH)

I have an account with State Farm Bank. My wife was using her card on the web site for a state institution. All transaction must be independent of each other. Therefore, phone, stamps and cash are XXXX transactions. After the first XXXX State Farm Bank denied the other XXXX. They called the home but just disconnected the call after my wife answered. She called back and learned it was the bank. After too many verifications she disconnected the call and I sent them a letter. I received XXXX letters from State Farm Bank. They have lied that they have tried to contact me by phone since that day XXXX XXXX. They now have this account on REFERRAL for verification and WATCH for verification. If this account ca n't be used State Farm Bank can close this account, State Farm Bank should have verified XXXX membership this is being disputed. XXXX membership is a unauthorized purchase. Dates XXXX/XXXX/16, XXXX/XXXX/16 and any {$11.00} on previous statements. XXXX was never authorized to use this card for XXXX Membership. XXXX XXXX made merchandise purchases only with this card. XXXX Visa card was there for the membership but XXXX XXXX canceled the XXXX XXXX membership in XXXX 2016.
Consumer complaint received 2015-06-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CO)

Hi I am a co-signer on XXXX of my daughter 's student loans which is 'managed ' by American Educations Services of XXXX , PA ( XXXX ). Her loan became delinquent and, as a cosigner, they began collection proceedings on the account including phone calls and letters directed toward myself. That is fine, however the problem is they somehow entered an erroneous social security number for me in their system. In order to create an account and even look at balances, past due amount etc, in other words to be provided with a full disclosure of the debt they are holding me responsible for, a social security number is required. Thus I am in a strange and very unfair predicament where they are taking collection actions against me, including a threat to report the delinquent status to the major credit bureaus, but I have no access to the loan details! As far as I know there are laws against collection activity without full disclosure concerning the debt in question! I 've called multiple times and was told I have to send a photocopy of my social security card in order for them to update their records. They will not simply update it with information provided via phone call despite a lengthy identity verification Q & A - as if, in the age of digital photo editing, an image is any more secure?? So XXXX I sent a photocopy to the email address they provided, but they claim never having received it. Every time I call they place me on hold for XXXX min while 'researching ' the problem. I asked if they could simply supply an email address where I could send the photocopy, while on the phone with them, so I would know if they received it. they indicate for some reason they ca n't receive e-mail directly or something to that effect, and that request too is denied. so here again I 'm placed in an impossible situation! they ask me to send the photocopy to an email address, but refuse to provide me any confirmation they 've received it! Attempts to work with American Educational Services and resolve this problem have proven very time consuming. During that time, the loan status is continually ageing but I do n't have access to the necessary information in order to check the loan status, see when payments are due, for what amount, etc. I 've tried working with them to resolve the issue for approaching two months but the situation still drags on. I do n't have any recourse other than maybe hiring a lawyer but it is financially prohibitive.
Consumer complaint received 2017-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (TX)

On two different occasion the representative said they would email me deletion letter. What I had received was n't a deletion letter but a letter just stating my account was paid in full. I called customer service, then another representative said they do not send out deletion letters. I need a deletion letter stating that I have paid this off long ago and need it off my credit report.
Consumer complaint received 2016-11-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AmeriCollect (NJ)

I was sent by my doctors to receive an XXXX after my XXXX. I was covered my medicaid and XXXX at this time. However, my plan had changed from " XXXX woman '' to " XXXX mother. '' This did not affect my coverage. Simply the number of my policy. The hospital tried billing my old policy number and was informed that i was not covered in that plan anymore and billed me. I provided the new information, and was told IN XXXX, that this debt had been paid for and cleared. However, the calls have not stopped.
Consumer complaint received 2015-09-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AmeriCollect (IN)

This {$130.00} to XXXX XXXX was to be paid by my insurance I have never paid for a XXXX in my life. XXXX has it on my credit report. I have several working to get this removed.Thank You
Consumer complaint received 2015-06-18
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (FL)

I have outstanding debt to Discover Card in the amount of {$4000.00}. I am elderly and I recently lost my life partner of 25 years, and XXXX daughters. XXXX of my daughters left me to care for my special needs granddaughter ; and the other daughter had serious financial debt, which all became my sole responsibility. I am willing to pay my debt ; however, I feel I am being unfairly treated by Discover and harassed by collection phone calls. I feel Discover has discriminated against me due to my age because I am elderly and on a fixed income and receive public assistance, and although I am willing to pay my debts, they will not work with me to establish a reasonable payment plan for my current income. Further, they know I have no immediate family to help me understand my liabilities and the Discover calls have been confusing and misleading me and purposely trying to get me to verbally agree to something I can not fulfill for a monthly payment. I also feel that Discover treated me unfairly because they have been harassing me with collections calls, even though I have opted out of phone calls. Because of the harassing calls from Discover, I felt pressured into finding a financial solution. As a result, I was scammed by a debt consolidation company, leaving me further destitute. I reported to Discover that I was the victim of a credit consolidation scam by a company called XXXX XXXX. They led me to believe they were debt consolidators, not debt negotiators. They promised to pay my creditors off in 3.5 years, but all they did was take my money and left me with nothing. All Discover has done was continue to harass me by phone causing additional anxiety and stress to me.
Consumer complaint received 2017-01-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (OH)

I applied for a used auto loan through usbank.com. The automobile I was looking to take a small loan on ( ~ {$6000.00} XXXX ) was a 10 year old vehicle with 140,000 miles on it. 

After I completed an application and my credit was pulled, a representative from USBank called me, and told me there was no chance I was going to be approved, not because my ( outstanding ) credit was bad, but because they have an internal policy at USBank that they can not loan on vehicles of a certain age or mileage. 

I expressed my concern that they pulled my credit, something that will affect my credit score for up to three years, when I should not have even made it through the application phase. I filed a complaint asking them to remove the credit inquiry with the credit bureaus. After a month I received a form letter informing me that they would NOT remove it, since it was part of their application process. The letter stated I could only further investigate it if I believe fraud or identity theft was the cause. 

If a company has such simple rules for loans, then it should be front and center in the application process. I feel like I have been victimized here, that my credit has now been negatively effected, and that US Bank does not want to take responsibility.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (ND)

I 've had a secured account for years, and among other issues, i 've recently tried to close my account. It is secured with a {$750.00} deposit through a local credit union who uses Elan Financial Services as a provider for the cards. I have paid my balance down to {$750.00}. In other words, my deposit and my balance bring our relationship to a {$0.00} sum. I told them i wanted to close my account over the phone. They told me since my account is secured, I needed to provide information in a letter, faxed to a given number. That number is no longer in service. I called back and they appologized and gave me a XXXX number. That number will not accept faxes. The rep explained to me the numbers should goto the holding facility for deposits ( the credit union ) located in another town. I went to the local credit union and spoke with several member service reps and " higher-ups '' and they were all agreed that was non-sense and they never heard of such a thing for secured accounts, that the money is sent to Elan for holding, not them. Elan called me about XXXX2 days later and told me account was past due. I told them I am trying to close the account. That the left hand was sending me to them and they were sending me to the right hand. I spoke with a supervisor, she asked me how long ago I sent the faxes. I spoke out loud as I worked out the day of the week. While I was doing that they hung up on me. About another XXXX3 days went by and they called me for collection efforts. ( my balance is still at {$750.00} out of {$750.00} ) I re-explained to the rep how upset I was for them intentionally making this so difficult for me to close my account, I warned them if they not provide a good functional way for me to close my account I would file a formal complaint. He apologized and told me he had no idea what the other XXXX phone numbers were, that they were XXXX wrong and gave me a XXXX fax number. I told him stay on the line with me, I am at the fax machine at work and we will do this together to make sure it works. I tried to send the fax, but it failed ( no response ). I told the rep on the phone this and he said it is the main fax line and they are usually XXXX people trying to send faxes at the same time so to keep trying. I Tried a second time and received the same failed " no response '' error. On the third try I told the rep, ok I 'm trying a 3rd time now, there was silence, I looked at my phone, he had also hung up on me. He had mentioned there was an address I could mail the letter to, but did not give me that address before hanging up on me. I checked XXXX or XXXX different Elan Financial websites I could find to find the card issuer agreement which should contain the address/fax but they apparently do not publish it online. I would have to call in again and possibly be led in a loop. I feel strongly they are intentionally obscuring the process, and or preventing me from closing my account. I have been in contact with them for the last 14 days of which they have not been willing to provide a resolution.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (CA)

After calling LoanCare to sort out a new escrow amount, I Was advised by LoanCare Customer Service in XX/XX/2019 not make payment on mortgage until new/correct amount was determined. Was told that my payment would NOT be reported as late. Was advised I would be given 60 days days to solve issue of new payment amount. When advised of new amount I promptly made payment. Then got letter advising this amount was incorrect. Called Loan Care Customer Service and was advised of the amount given to me was wrong and was then given NEW corrected amount. I mailed this off. Loan Care told me they would not report my payments as late. They have inaccurately reported late payments and they have failed to fix these mistakes. I have called 5 times in last 12 months to fix this. Each time I have called I am told by Customer Service " we see in account notes that you were advised you had a 60 day grace period, we see you were advised not to pay '' yet they have repeatedly failed to correct the error.
Consumer complaint received 2016-01-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Vengroff Williams, Inc (MT)

I used XXXX services in XXXX 2014. Despite confirmation by the XXXX location I utilized that they would bill my employer 's credit card account for the services, they billed my personal credit card account, which was supposedly only to be used to pay a deposit on the account, not to bill the full amount for services. I disputed the charge via XXXX XXXX 's charge dispute services. XXXX did respond to the dispute inquiry, which resulted in XXXX XXXX reimbursing me for the fraudulent charge. Months later, XXXX sent my account to collections for the full amount, after having sent documentation to XXXX XXXX that proved the charge fraudulent. I received a letter soliciting payment from Vengroff Williams , Inc. The date listed for the rental of XXXX equipment is incorrect, listed as XXXX XXXX, 2014. I believe this to be a fraudulent charge altogether - I used XXXX XXXX in XXXX 2014, XXXX XXXX refunded the fraudulent charge on XXXX XXXX, 2014, and XXXX sent my account to collections on XXXX XXXX, 2014.
Consumer complaint received 2015-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (DC)

I had my credit report pulled for a mortgage application and when it was pulled, a collection for XXXX ( XXXX ) showed up on the report. The collection agency was listed as Stellar Recovery and the amount was for {$170.00}. Since the initial creditor was XXXX ( XXXX ), I called them and paid the balance of # XXXX on XXXX XXXX, 2015. This closed my account and zeroed the balance. When I inquired about Stellar Recovery, I was informed that collections would no longer take place as my balance was now zeroed. However, it is XXXX, and the collection remains on my credit report despite having a zero balance with XXXX ( XXXX XXXX.
Consumer complaint received 2016-11-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (CA)

I had an unpaid XXXX bill of {$76.00} from 2014 from an address that I had not lived at since then. Since I did not live there, I did not receive any mail about the collection of the debt. Unknowing to me, it was sold to a debt collector, " Stellar Recovery '', and although they claimed to have attempted to contact me, I did not learn of the debt until applying for a credit card. In the time Stellar owned the debt, they claimed to have called me but I never received any voicemails or no consistent phone calls from any XXXX number. Once I contacted them, they never notified me of any right to dispute or any other option besides paying the debt in full. I did this but then was told by my banker that I should ask for a Pay to Delete option. When I called back I was told that they were not able to do this but after further research I learned that they could. The Paid in Full is still negatively affecting my credit report. I am a XXXX XXXX XXXX who just XXXX with little knowledge of the collections process and thought that Stellar Recovery 's handling of the situation was criminal in that I received no legal info about my options besides paying the debt in full.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have a bankruptcy reporting on my credit report from XXXX that I have been dealing wit equifax wit for several months.I have wrote SEVERAL letters disputing this bk, On XXXX! XXXX XXXX I put A security freeze thur XXXX.They EQUIFAX said has since said on XXXX and yet again on XX/XX/XXXX.that they VERIFIED this Information using XXXX XXXX. On XXXX/XXXX/XXXX I contacted XXXX XXXX and spoke wit Agent XXXX # XXXX she said that Equifax " DID NOT '' VERIFIY any information using them because of my security freeze placed on XXXX/XXXX/XXXX. So therefore this Bk needs to be removed from credit report. Its also very shameful for Equifax to hurt people trying to do better,
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

Hello, I am working to fix my credit and have been able to dispute charges on XXXX XXXX. XXXX has since removed all disputed charges but Equifax continues to report the charges. As of today XXXX/XXXX/2016, I have faxed over all requested information to Equifax a total of 3 times. I spoke to XXXX different CSR 's at Equifax and XXXX told me that my fax was not received, although I have the fax confirmation for both. Also, I disputed the charges via mail as per the " Fair Debt Collection Practices Act ''. XXXX of the letters were returned stating that the address for XXXX Solutions and XXXX XXXX XXXX, did not exist. This is why I disputed online. Please help!
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I am trying to refinance my property and the bank pulled a copy of my credit report from Equifax. In the report it shows I have XXXX public records " Judgements '' against me ''. I contacted XXXX XXXX Superior Court and forwarded the copy of court hearings I was involved with showing there is not a Judgement against me and forwarded a copy of actual minutes and certified orders and final rulings to Equifax. 
Although it shows both cases where dismissed and no Judgement was issued against me Equifax refuses to correct its records and remove the public records from my credit report. I have written to them and called them several times but they refuse to comply. I was even forced to become their member so they can discuss my case and was forced to pay several fees at the end they just took the money and did not help me.
Consumer complaint received 2016-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I 've been disputing items on my EQUIFAX Credit Report for over a year. I 've submitted police reports and grand jury indictments which I also uploaded to your site. EQUIFAX has done nothing to delete the fraud information or place a block on the disputed accounts so that they 're no longer on my report. Both XXXX and XXXX XXXX immediately took action and removed the fraudulent information and blocked the fraud from ever reporting again. EQUIFAX has done nothing. Police report and Grand Jury Inductment were already uploaded on my past request, but I 've heard nothing back.