davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: ProCollect, Inc. (CO)

I've gone to court, final thing is I have till the end of the month, I don't have no where to go I'm a XXXX XXXX patient, applied for five places and been denied without looking at property please help I've tried everything Thank you n God bless
Consumer complaint received 2015-11-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

I contacted SunTrust to upgrade my current account type from it 's " Everyday '' Checking to the " Select '' Checking which they now offer. I qualify based on my monthly direct deposit threshold ; however, as the person I was working with began to make the changes, she informed me that my current SunTrust XXXX Debit Card would be cancled and that it was eligible for this account type. Per my review of SunTrust Disclaimers online, their Fact Sheet and Brochure, no where does it state that the XXXX Debit Card is ineligible in this account type. Having the Select Checking account type would provide me some benefits such as Non- SunTrust ATM Withdrawls at no charge.
Consumer complaint received 2016-06-11
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN ADVISORS GROUP (TX)

I 'm in the process of completing a reverse mortgage ; however, I 'm finding this process to be very diffcult due to my loan processor, XXXX XXXX. She is very combative and hostile towards me and none of our discussion are productive. I 'm not sure is she is treating me unfairly due to may age ( XXXX ) or due to my ethnicity ( XXXX ). I 'm at the point I 'd rather due without the loan than have another conversation with her. We 've already spent over {$1000.00} for the appraisal and survey so I ca n't just drop the loan. Please help!!!
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I have a checking account with Citibank and have had {$7800.00} of my money locked for over a year now and they refuse to allow me access to my funds or allow me to close out the account and get my money
Consumer complaint received 2015-12-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Business Bureau (TX)

I was told by Medical Business Bureau that once I paid this account in full and not a settlement it would be deleted from my credit report. Instead of deleting it, they still listed it on my credit report as paid. My maiden name was XXXX XXXX.
Consumer complaint received 2016-06-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I signed up for a Citi Gold account online and entered a Promotion Code : XXXX where I would receive XXXX Thank You points after completing bill payments in two consecutive months. I received verification during the online application process that I was eligible for the bonus. A few days after applying online, in a follow up phone call while speaking to a Citi representative, the person specifically stated I was eligible for the promotion. This lead me to finalize the application and agree to open this premium account. I 've since completed the requirements to receive the bonus and I have kept XXXX with Citigold account so that I am not charged with monthly fees associated with the account. A follow up email and phone call with Citibank confirmed that the previously stated requirements were met. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited, Citi has pulled a bait and switch, and saying that I am not targeted for the offer even after confirming that I am. I believe Citibank is behaving on unethical business practices by not fulfilling their end of a business agreement and purposefully and/or negligently misleading customers.
Consumer complaint received 2016-06-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (VA)

In just a short time my private loans ( XXXX ) now serviced thru Navient went from {$40000.00} up to XXXX. Now having exhausted my forbearance, my payment options are not affordable $ XXXX/month or $ XXXX/for 27 months only. I have no alternative but to wait for garnishment. They will not negotiate the amount or waiver on the 10 % interest being charged.
Consumer complaint received 2015-05-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

This concerns a settlement agreement between Citibank and me on XXXX XXXX, 2015 for the Best Buy Master Card ending in XXXX. I had a balance of {$440.00}. CitiCards/Citibank agreed to the settlement amount of {$280.00} to be paid by XXXX/XXXX/15. I was told that if I needed to make changes to the original scheduled payment on XXXX XXXX, it would not interfere with the agreed amount settled and the account would not be a charge-off. I called before the XXXX/XXXX/15 to change the payment lump sum into ( XXXX ) installment payments of {$95.00} to be paid with 1-month. I was reassured from the customer representative that this account would not be a charge-off and would show as being paid in full in my credit reports. I requested that this new payment schedule be in writing. I never did receive a letter of confirmation. I called again to request a confirmation letter and was told that I did not need to worry that my account would be updated after the last payment of {$95.00} was received. 

Here is the schedule of when the payments were taken out of my checking account:XXXX - check # XXXX - $ XXXX - check # XXXX - $ XXXX - check # XXXX - $ XXXXTotal : $ XXXXWhen I called Citicards on XXXX/XXXX/15, I was told that the account was indeed charged-off and the settlement agreement was cancelled because I did not make the payments within the payment cycle. 
I feel that I was given the incorrect information on how to appropriately handle the payment plan that I agreed to. 
Please advise if this account is indeed settled with no more collection activity and not charged-off as I was told. I want to make sure that this account will not show up with the XXXX credit bureaus as being a charge-off. 

I have called the XXXX Department at XXXX several times and none of the customer service representatives can not seem to answer my questions and concerns. 

I have checked my credit reports with the XXXX bureaus and indeed have found that Citicards/Citibank has reported this as a charge-off. 

I was contacted by a collection agency about the remaining balance of {$150.00} that Citicards removed due to the settlement. 

I feel that I was informed by CitiCards/Citibank in regards to my settlement. 

I 've attached the letter confirming the settlement between Citibank and me, the letter I sent them about the charge-off concern and the letter from the collection agency.
Consumer complaint received 2017-03-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (ME)

XXXX collection agency reported a medical debt in the amount of {$1400.00} to my credit report in late XXXX, I disputed this to XXXX and it was removed from my report, then was re-reported as TSI/XXXX collection agency for the same amount and same original creditor, I disputed again to XXXX in XXXX of XXXX but was not removed, I am currently disputing again and I am still waiting for a resolution. I contacted TSI/XXXX collection agency ( also known as Transworld Systems ) myself, spoke with 5 different people at their agency and no one can find any record of this debt in my name yet it is still being reported to my credit report every month. I even contacted the original creditor listed ( XXXX ) and they also have no record of my ever having a bill with their offices. Not sure how this bill keeps showing up on my credit report when their is NO record of my ever incurring such charges. I want this removed and the collection agency held accountable for this error.
Consumer complaint received 2016-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES (OK)

I have a XXXX student loan with Great Lakes which has been on and off in-school deferment and forbearance since 2010. Every year, Great Lakes has brought the loan out of in-school deferment before receiving notice of or verifying my XXXX semester attendance. They have had to make more than two retro-active adjustments to my loan repayment history because of this practice. For the past month I have been trying to speak with someone at Great Lakes about the issues with my repayment history and I am being jerked around and told that the information can not be changed because of the Fair Credit Reporting Acts. I researched into this topic and discovered a letter from the FTC discussing Great Lakes ' obligation to update the information on the credit file, even if it was accurate at the time it was reported. They have since refused to respond to me and I am now searching out other ways to resolve this issue. 

I have paid on my loan and my account is in good standing. The remaining principal balance is less than the original principal balance so I do not owe more than I took, I owe less. I have been working very hard to try and get this loan taken care of but, at each step Great Lakes has worked against me to prolong the time the student loan stays in repayment and therefore in their possession. I feel as though Great Lakes has no incentive to provide me with assistance as their money comes from having a number of accounts to service. Essentially they are a for-profit XXXX complex. There is no incentive to rehabilitate the XXXX if the XXXX gets a monthly check based on head count. The same situation is true with federally subsidized student loans. Great Lakes is attempting to prolong the repayment period of my loan and will not work with me to correct the inaccurate payment history.
Consumer complaint received 2016-03-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

US Bank applied a {$36.00} fee to my account and brought the balance down to negative {$35.00}. They put my account in negative. Then proceeded to charge overdraft fees 4 more times. They created my negative balance then penalized me because of the negative balance they created. Furthermore, they did n't inform me of the impending overdraft fee nor informed me the account was actually in " negative. '' They refuse to rectify the situation. They have charged me a total of {$180.00} in overdraft fees and my account is negative {$170.00}.
Consumer complaint received 2021-04-21
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: EQUIFAX, INC. (OH)

This is the 4 time I have requested documents for a disputed account and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. The accounts that are in error are as followed : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX & XXXX # XXXX
Consumer complaint received 2016-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: URS Holding, LLC (MO)

Enterprise Recovery Systems called my employer asking for personal information. I am unaware of how they received my employer 's phone as well as where I am employed as I have not been employed there long. They had previously called my personal phone earlier that day and when I was unable to pick up they immediately began to call my work without me even hearing the voicemail from my personal phone.
Consumer complaint received 2015-04-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DISCOVER BANK (NY)

Settled debt with XXXX XXXX XXXX XXXX. ( Discover ) for less than full amount on XXXX/XXXX/15. They took payment and told me that I would get a letter noting this after 21 business days had passed based on what some bank told them they need to do. I have called them @ XXXX a total of XXXX times requesting this letter and have been told that it was mailed but have not rec 'd it. After calling again today XXXX/XXXX/15 ( XXXX XXXX-ext XXXX ), I was told that XXXX of their attorneys has to approve the letter being sent but they would not allow me to speak with this attorney for clarification. I asked for a supervisor ( XXXX XXXX-ext XXXX ) but was told he was too busy to speak with me. I believe that I am getting the " run around '' and would like to file a complaint as this seems to be an unfair debt collection practice.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (FL)

A discover call center representative informed me that for a payment of XXXX they would remove the charge off from my credit report I made the payment yet this information is still showing and discover is reporting as accurate I would like this information reviewed and the call pulled up if possible I feel that it is unfair for discover to just lie to its customers
Consumer complaint received 2016-09-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK (KY)

Got a Discover Personal Loan XXXX, 2016. Said the rate was between 7.5 % - 19.99 %. They were never actually going to give me a decent rate, even though my FICO was XXXX. Told me the only way to get a better rate was to have my account debited automatically. Got a 16.99 % rate. Told me there were no processing fees, but examining the loan, I realized there were fees. They added up to over {$700.00} over the life of the loan. So they reduced my rate to 16.96 %. I paid an extra {$1000.00} in XXXX and again in XXXX. Even though I have made these extra payments, they continue to state that my loan will only be shortened by a few months. They say that the loan is a simple interest loan, but when I do my loan online - XXXX, etc. more of my money goes to principle than it does with Discover. I just got my XXXX bill, for XXXX, and I am being charged {$10.00} more in interest, than I was on My XXXX bill which was for XXXX. XXXX and XXXX have the same number of days in the month. I also pay {$27.00} more than what 's due each month. I am very suspicious of this company 's loan manipulations. I know they just been in trouble over their student loans.
Consumer complaint received 2015-03-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (SD)

I received a preapproved credit card application in the mail from Discover Card. I am currently attempting to rebuild my credit at this time. I filled out the application and awaited a response from Discover Card. I received a denial letter in the mail today, they discover card cited collection. Charge off or judgment for reasons of denial.
Consumer complaint received 2015-06-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (NJ)

Discover Card applies payments up to the minimum payment amount solely to the lowest APR then applies any remaining funds to the higher APR. This results in the balance on the higher APR increasing at an exponential rate unless payments are made with consideration for the minimum payment + interest expected on the higher APR line.
Consumer complaint received 2016-11-28
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Coastal Credit, LLC (OH)

I was sued in 2003 by XXXX. I was never served any documentation requiring that I appear in court. Resultantly they obtained a default judgement against me. The lawfirm is aware that I was never served and instead of with drawing the judgement they continue to attempt to collect. The case is in the XXXX Municipal Court XXXX, Ohio. XXXX. 2003 CVF XXXX. Please help me I have exhausted every avenue known to me. I am at a loss with regard to how to successful right this wrong and I am frustrated.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

Found a charge off on my credit report from XXXX. there was no specified amount that was charged off. Sent a certified letter on XXXX XXXX and it was signed for on XXXX XXXX. In this letter, I I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I receieved no response at all, nor did they mark the account disputed per the latest credit report from experian. I sent a follow up letter even though they had already broken the law on XXXX XXXX and it was signed for on XXXX XXXX with still no response
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I received a new report on my credit that an open account has been reported to a collection agency. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about. 

Thanks
Consumer complaint received 2016-01-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NJ)

I took a loan modification made the trial payments after the loan was modified the loan servicer seterus increased the monthly payments from XXXX to XXXX per month causing me to default on the loan. I have health issues as well as unemployment. I am 7 months behind the servicer has placed me into foreclosure and telling me i need to pay a minimum of XXXX to reinstate the loan .Today XXXX XXXX 2016 they told me they made a mistake and my payment should be XXXX a month they told me this after 7 months and forced me into default. they also refused to give me a better modification or loer the principal on the loan.
Consumer complaint received 2016-10-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BlueChip Financial (IL)

My daughter was contacted by XXXX XXXX of XXXX XXXX, XXXX claiming that she had a uncollected debt in the amount of {$1900.00}. She asked XXXX XXXX to contact me and I had a telephone conversation with him in which I asked him to email me the supporting documentation verifying the information. He emailed me a file which I can summit. The file gave no details as to the origin of the supposed debt nor any support to prove the validity of his complaint. I attempted to respond to this email but the email address is evidently invalid - [ mailto : XXXXXXXXXXXX ]. XXXX XXXX continues to phone my daughter with threats of legal action although my daughter has asked that he deal through me. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Fax : XXXX
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have a public records listed in my credit reports that are inaccurate and incomplete such as a bankruptcy that Equifax is reporting. The Federal laws requires that the credit agencies provides mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Equifax numerous times for validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this bankruptcy and they have failed me only yo return stating it has been verified without any proof. I have a letter from Federal Bankruptcy Courts and XXXX stating that they Do Not report to the credit reporting agencies but yet they come back saying they have verified it with them.
Consumer complaint received 2017-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXXXXXX SS # XXXX Re : a XXXX account # XXXX Equifax To Whom It May Concern : I would like to dispute the validity of a XXXX account listed on my credit report. I am requesting that a dispute be initiated for a XXXX account which is reported. 
I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (VA)

I called Equifax on XXXX/XXXX/15 to report that I had been a victim of identity theft and to ask them to place a fraud alert on my credit information. I also asked for a copy of my credit report so that I could check the information. I was never told that I was entitled to a free copy and I was charged {$29.00} for the report. Yesterday, I received a letter from Equifax telling me that as a victim of identity theft, I was entitled to a free credit report. I called Equifax and they refused to refund my money. I think this is a scam -- they should have informed me of my rights up front.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

I applied for a mortgage loan with XXXX and XXXX XXXX. I have been rejected by both companies because they state Equifax has a credit freeze in my credit report. I called Equifax to find out why just to be given the run around. I have faxed my Drivers License and Social Security card to them twice. The 2nd time, I was sure to get a confirmation so they could n't tell me again they did n't receive it but that is exactly what happened today. They are refusing to give me any information as to why they have a freeze on my account and upon me stating I never asked for this freeze, they still will not release it. I have offered to email my drivers license and social security card to them since they lose every fax I send them but they will not allow me to do this. Today I asked to speak to a supervisor but the girl I spoke to denied transferring me to a supervisor even after I held on the phone for XXXX minutes. She said her supervisor would n't allow it