davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (NY)

While checking my XXXX credit report. I discovered that a collection has been placed on my file for {$1900.00}. I personally contacted collection agency IC SYSTEM, XXXX XXXX, XXXX XXXX, MN XXXX, disputed the validity of the debt and requested under Fair Debt Collection Act ( 15 USC 1692g ), and requested that the Company provide me with any signed contract as well as billing invoices of the said unpaid bill within allowed time under the law. Upon belief and information, this account does not belong to me and/or may be as direct result of ID THEFT.It`s paramount that an investigation be conducted to determine the validity of the account. 
IC SYSTEM deliberately ignored my requests and has continued to proceed to collect on an unlawful debt without just cause, and as a direct result has caused me serious economic hardship and inability to secure employment or housing and/or obtain credit.
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AL)

I applied with a credit worthy co signer for a XXXX loan at XXXX XXXX. My loan was denied when I received the letter of denial reason it stated Bankrupcy on credit report and aXXXX credit score. I pulled my report and as I already know I have no negative public record and my credit score is not what they reported. I filed a complaint with Equifax and XXXX. But XXXX XXXX refuses to accept ownership of the information which resulted in my denial. They also approved my husband but he too got a letter with the same denial but was approved too after the fact. We are both customers at XXXX XXXX. I feel that it is discrmination.
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (PA)

On XXXX/XXXX/16 approx XXXX, I went to a PNC ATM XXXX XXXX ) inside of a convenience store. The store is located at XXXX XXXX XXXX, XXXX XXXX, PA. I attempted to withdraw {$260.00} from my checking account. I could hear the machine counting the money to dispense, but the door never opened and I never got my money. I stood there for a few minutes, then spoke with the cashier of the store. He stated that service technicians had been in several times that week to service the ATM because it was having issues. I filed a dispute with the bank and was given a provisional credit to my account. The credit was later reversed and they determined that my claim was invalid. They said that the money was dispensed. I filed a second dispute after the credit was reversed and was denied a second time.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I am seeking monetary release for the terrible treatment I have received from experience. From all XXXX credit reporting bureaus.I have continuously requested that I do not be just by algorithm and that my credit school will properly show XXXX real numbers. However, experience has been holding my credit score now for a long time now when I called a question why they said it was because of algorithm, which is not fair to anyone. They have now remove things that I took them. Were not supposed to be on my account. They keep making up excuses why they cant fix the numbers and its a computer is doing it and not send however, we werent using computers at first and theres no reason why I cant hear XXXX. Judge my number is it because Im a XXXX person is known as the XXXX peoples numbers down Id like to pay for my troubles. You can get a home cars anything and I know I have no debt at all!!! Fix this please. Why do they have so much power and theres no real way to dispute them. 
I never gave XXXX, Equifax or XXXX permission to publish anything about me. They are constantly publishing false information. How do I go about suing the company for pain and suffering, for restricting my way of life.
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (TX)

I am currently in the process of purchasing a home XXXX. My credit report is showing foreclosed mortgage from PNC that they erroneously recorded with the credit bureaus. Instead of the actual recording as per the deed of trust filed in the XXXX circuit in XX/XX/XXXX - PNC is reporting a late filed date to the credit bureaus of XX/XX/XXXX 

Kindly assist to resolve this matter.
Consumer complaint received 2017-03-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Mortgage servicer was maintaining a rolling late fee accumulation while payments were being made on time. This resulted in the accumulation of {$2700.00} in late fees. There are XXXX occurrences of late fee charges that ranged from {$0.00} to {$860.00}. This accumulation began on or about XXXX of XXXX. 
Mortgage servicer was negligent in maintaining a sufficient escrow account minimum and a monthly funding amount to prevent shortages. This resulted in numerous escrow advances to occur to cover shortages in paying property taxes and home owners insurance. In the process of repaying the escrow advances, the mortgage servicer misrepresented the distribution and allocation of regular monthly payments to repay these escrow advances thus resulting in classifying the mortgage payment as being short. This forced a suspension of remaining funds from the mortgage payment and a late fee to administered. There were XXXX different occurrences of escrow advance repayments processed totaling an amount of {$3500.00} from XXXX of XXXX to XXXX of XXXX.
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (NC)

I was working with Suntrust Bank on a mortgage and gave them the fee to do an appraisal on the home to be purchased. They never did the appraisal and never returned the fee. I filed this complaint with cfpb a week ago or so, and someone called me from Suntrust once, told me the person they wanted me to talk to was unavailable and they would leave a message for her to call me. I told them to call me on my cell phone but they never called me back.
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (OH)

I am on an income driven repayment plan and am also working towards public student loan forgiveness at a 501 ( 3 ) c. I have XXXX/XXXX student loan debt upwards of 80k. I fill out my paperwork diligently, and call on a regular basis. When my payment went from {$170.00} to {$700.00} due to filing jointly on a tax return with my spouse, I utilized forbearance because our family could not afford this. When my loan came out of forebearance I submitted the correct paperwork online, and pulled my income over from the IRS website. When I called a few weeks later to see if my new payment form had been processed the lady informed me " Our online applications do not work. '' I had no correspondance that this was the case and that my application was not in the que to be processed, she told me to submit a paper form. I filled out the paper form and faxed it in like directed. Again, I waited a week or two and called to check up. Again this form was denied because they needed my tax filings. AND this gentleman told me the online applications worked just fine and did not know why the previous lady had told me that. SO, I faxed in my tax filings. I again, called to follow up. The gentleman said they had everything they needed, but also wanted to inform me my PSLF employment recertification was denied because the city and state was not listed on the form. Again, I was NOT informed of this denial. So I redid that form, sent it in. A day later, my IDR application was AGAIN, denied, because of some silly error on question 4 about whether I was still in forebearance or not. I 'm not sure if I '' m in forebearance or not because it had expired, and I was trying to get my new payment completed so I could begin to pay. Fed Loan DOES NOT communicate, or call, or inform borrowers of direct action to keep their account in good standing. I work FULL TIME and another part time job to keep up on our bills. It is a FULL TIME job keeping up with Fed Loan 's direct neglectful practices to attempt to put accounts into delinquency because they can not process papers in time or inform borrowers of direct action needed. Their employees give misinformation to borrowers who worked hard to get through schooling and make us jump through so many hoops that you ca n't even keep things straight. I would LOVE to file a law suit against them.
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

Well I first noticed a problem in 2005 with XXXX credit card bills that were not mine than another card had been issued unaware of what I was beeing asked to pay I began to repeatedly call them about bills told the to turn off the card or cards. Sent them mail. I then received notification of a car and a mortgage. I live at home watching my mother who was in hospice and ill military widow until her recent death. I also just received notification that someone tried to do my taxes from the IRS. I also looked at a judgement page were I am receiving JUDGEMENTS NOT RECEIVING ANY PAPER WORK. My name in different ages etc. It is effecting my job applications and rental applications. I tried to get a copy of my own credit report and new none of the answers because the info is not mine or to my knowledge at all. I will change my name soc what ever I have to do. Thanks for your help. Sincerely XXXX XXXX.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NC)

XXXX AND EXPERIAN REFUSES TO CORRECT THE MISINFORMATION THAT IS BEING REPORTED BY XXXX. I WANT THIS INFORMATION THAT IS ATTACHED BE SUBMITTED TO THE CREDIT BUREAUS AND ATTACHED TO MY CREDIT FILES REFLECTING THE DIFFERENCE IN WHAT XXXX IS REPORTING TO THEM AND WHAT IS BEING REFLECTED IN THEIR INTERNAL FILES AND XXXX REFUSAL TO CORRECT THEIR ERRORS.
Consumer complaint received 2016-03-10
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK (NJ)

DISCOVER CARD SERVICES HAS BEEN GIVING ME MISLEADING INFORMATION ON MY CREDIT CARD ACCOUNT BALANCE AND THEY NEVER DULY RESOLVE ANY ISSUE THEY PROMISED THEY WOULD FOLLOW UP ON. I PERIODICALLY CALL THEIR TOLL-FREE NUMBER AT XXXX AND I GET ROUTED TO DIFFERENT DEPARTMENTS WITH MISLEADING INFORMATION. THEY ARE RIPPING ME OFF WITH THE INACCURATE BALANCE ON MY BILL WHEN I CLEARLY EXPLAINED TO THEM THAT I AM NOT FINANCIALLY RESPONSIBLE FOR FRAUDULENT CHARGES ON MY ACCOUNT AS I HAVE BEEN THE VICTIM OF INTERNET FRAUD, ON WHICH I WAS ABOUT TO FAX OVER DOCUMENTS TO THEM. THEY CLOSED MY ACCOUNT WITHOUT INFORMING ME OF SUCH ACTION WHEN I CALLED THE PAYMENT CENTER IN OHIO AND TOLD THEM THAT I WILL BE MAKING PAYMENTS ON THIS ACCOUNT TO TAKE CARE OF CHARGES INCURRED EVEN THOUGH I CLAIMED THAT I AM NOT RESPONSIBLE FOR SOME PAYMENTS POSTED ON THE ACCOUNT THAT WERE ALLEGEDLY RETURNED. DISCOVER IS TAKING SOME ADVERSE ACTION TO RIP ME OFF AND CAUSE EMOTIONAL DISTRESS BY OVERINFLATING THE CURRENT BALANCE FROM {$2800.00} ( THE PAST BALANCE IN XX/XX/XXXX ) TO {$6200.00} WHICH THEY ARE INACCURATELY REPORTING TO THE CREDIT BUREAUS TO CAUSE ME SIGNIFICANT FINANCIAL HARM AND EMOTIONAL DISTRESS WHEN I HAVE CLEARLY EXPLAINED TO THEM THAT WHATEVER PAYMENT WAS RETURNED UNPAID ON XX/XX/2016 ( {$3500.00} ) WAS NEVER CREDITED TO THE ACCOUNT AND WAS NEVER DEBITED AT ALL. I RECENTLY MADE A PAYMENT ONLINE ON THIS ACCOUNT IN THE AMOUNT OF {$36.00} AND APPLIED THE CASH REWARDS BALANCE OF {$12.00}, FOR A TOTAL OF {$49.00}, ANOTHER OVERINFLATED MINIMUM PAYMENT DUE AS A RESULT OF THE OVERLY INFLATED AND INACCURATE CURRENT BALANCE FOR XX/XX/XXXX. I WAS INFORMED BY DIFFERENT AGENTS I SPOKE TO THAT THE CASH REWARDS BALANCE WOULD BE APPLIED TO MY MINIMUM PAYMENT DUE WITHIN 2 DAYS FROM XXXX XXXX, A DAY BEFORE THE DUE DATE OF XXXX XXXX FOR THE CURRENT BILLING CYCLE. HOWEVER, WHEN I LOGGED INTO MY ACCOUNT ONLINE, THE WEBSITE REFLECTS THAT DISCOVER HAS NOT APPLIED MY CASH REWARDS BALANCE TO MY MINIMUM PAYMENT DUE LIKE THEY SAID THEY WOULD. I WAS EVEN INFORMED THAT THEY WOULD WAIVE ANY LATE FEES I WOULD HAVE INCURRED BECAUSE OF SUCH TECHNICAL ERRORS THAT THEY HAVE BEEN HAVING ON THEIR WEBSITE. THE AGENTS I SPOKE TO CONSISTENTLY TOLD ME THAT THEY HAVE BEEN HAVING PROBLEMS WITH THEIR WEBSITE AND THEY CONSISTENTLY APOLOGIZE FOR THEIR MISTAKES BUT NEVER FOLLOWED THROUGH WITH THEIR PROMISED AND PROPOSED COURSE OF ACTION AIMED TOWARDS A RESOLUTION OF MY PROBLEM. NOW, I AM HAVING PROBLEMS WITH MY CREDIT REPORT BECAUSE OF INACCURACIES PERTAINING TO MY DISCOVER CARD ACCOUNT 'S CREDIT BALANCE WHICH THE CUSTOMER SERVICE AGENT HAS NEVER BEEN FORTHCOMING AND EFFICIENT ENOUGH TO RESOLVE. I CAN NOW FIRMLY AND AFFIRMATIVELY STATE THAT AFTER 30 CALLS I PUT IN TO DISCOVER CARD CUSTOMER SERVICE DEPARTMENT LOCATED IN DIFFERENT STATES, THERE IS NO CONSISTENCY, ACCURACY, DUE DILIGENCE AND TRUTHFUL REPRESENTATION OF FACTS FROM THIS CREDIT CARD COMPANY. THEY ARE UNSCRUPULOUSLY AND INTENTIONALLY CAUSING ME INTENSE EMOTIONAL DISTRESS WITH THE WAY THEY ARE ADVERSELY IMPACTING Y CREDIT.
Consumer complaint received 2015-03-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (NC)

On XXXX XXXX and XXXX, 2015 ( as well several phone calls and chat sessions with Discover Card customer service ), I made inquiries to why a payment of {$61.00} that was posted to my Discover Card account on XXXX XXXX, 2015, did not have the funds withdrawn from my financial institution, XXXX XXXX XXXX XXXX XXXX in XXXX, NC, until XXXX XXXX, 2015. Nobody at either Discover Card or XXXX XXXX ' XXXX XXXX could give me a direct answer. Instead, I got the " pass the buck '' routine. Neither financial institution should be allowed to treat customers this way. I have documentation available as proof of these events taking place.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OK)

XXXX out of XXXX, Oklahoma has been incorrectly reporting the status of my mortgage with them for at least 6 years. I have attempted, on numerous occasions to get this corrected, to no avail. 

On XXXX XXXX, 2015 I submitted complaint number XXXX to the Consumer Financial Protection Bureau, as a Mortgage complaint. I was then advised to submit another complaint under credit reporting. 

Case number XXXX was forwarded to the FDIC for investigation. The attached information is in addition to previously submitted information for these complaints.
Consumer complaint received 2016-09-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

Hello, I have contacted Experian about my credit information 14 times, through the web and several calls. The problem is the personal information that I am providing, name, address, and SS, that I am providing, does not match what they have in the system and I told them that is who I am and I can prove it. But, time and time again, they kept telling me sorry we can not help you unless I provided the correct information, which I told them that I am and they basically said, sorry we can not help you. I kept asking who I can talk to, so I can show them who I am and prove to them that who I am is the person with the SS, but they kept telling me sorry we can not help you, because the information I provided does not match what they have in the system. After the 14th call and several weeks of trying, I went straight told the person that I needed to talk to their supervisor and I told the supervisor, that the problem I having is my personal information that I am providing does not match their system and that I can prove who I am and that my SS and all information that I can provide is correct and what Experian has is wrong and I believed someone is using my SS. I asked her who can I talk to or how can I make an appointment to see someone to show them all the proof I have on who I am and get this fix, which was affecting me getting a car loan and to my surprise, after I gave my personal information to the supervisor, she said, sorry we can not help you, because the information that I provided does not match their system. Keeping my calm I said to her, I know, that 's what I told you at the beginning of the phone call and that is why I wanted to talk to you, because I believe someone is using my SS and she basically said, sorry since the information you provided does not match what is on file, they could not help me. I could n't even open a dispute because the information I have does not match their system. That was about 3 years ago and time and time again I keep getting denied credit from companies that only use Experian as their only source. The other XXXX reporting agencies I have no issues with and can view all my credit information, except Experian. I stopped trying to get this resolve, since I figure there was no help, till I read about this page that can help people like myself. 

Thank you very much for your time and quick reply,
Consumer complaint received 2017-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK (DC)

I have a {$2000.00} student loan currently in repayment from Discover Student Loans. The loan application lists XXXX/XXXX/XXXX - XXXX/XXXX/XXXX as the period of enrollment but otherwise includes XXXX personal information detailing that this was a loan taken out on my behalf. The loan application also has co-signer denied but I am sure that I did not apply for nor receive disbursement of the loan. The loan application also features no information about an interest rate or origination fee. There is also a discrepancy between the principal balance on the loan application and the statements that are available online. The loan amount says {$2000.00} but the principal amount on the most recent statement says {$3000.00}. To date, I have made {$1000.00} in payments on the loan. However, I have never received a promissory note or any other communication from Discover Student Loans regarding this loan, except for multiple phone calls harassing me to make payments in a time where I was financially unable to do so. According to Discover, information that they 've received from the XXXX XXXX XXXX says that I graduated on XXXX/XXXX/XXXX but they would not confirm the institution from which it says I graduated. This is also inaccurate, as I did not receive my XXXX degree until XXXX/XXXX/XXXX. Furthermore, the customer service agent told me my loan entered into repayment on XXXX/XXXX/XXXX even though I received no communication about a change in status of the loan. I am currently experiencing the same issue, as my loan has entered into repayment only 2 months after my completion of my XXXX degree. Additionally, when speaking to customer service I was provided misinformation by two separate agents regarding my payment due date and my payment amount. I was also told that my payments were past due when they are not. Discover Student Loans has been a terrible servicer of a loan that I am unsure that was ever applied for or received and the customer service that I have received thus far regarding this issue has been abysmal.
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

I graduated from college in XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX I was not notified about ANYTHING from XXXX or Navinet about my loans with their company. I stayed up to date with their offices, and they knew where I was and how to contact me. They never called me, mailed anything, or even attempted to reach me by email for 8 YEARS! Suddenly in XX/XX/XXXX and XX/XX/XXXX I was harassed that I owed out the nose, was given no alternatives for repayments or potions other than {$1500.00} a month or a " reduced payment '' of {$500.00} a month that would extend my loan until XX/XX/XXXX. 
I barely make anything and have to live with family to pay my loans. more than 60 % of my income a month goes to Navinet to repay the loan, and they offered no alternatives. They harassed my co-signer, and they threaten legal actions. I requested what options they could give me and was told more than once " We are a private loan company. We do not have to offer ANY programs and can take you to court to freeze your assets until you are paid off. '' With their actions I borrowed {$50000.00} and will repay nearly {$200000.00} now due to their FAILURE to contact me. They even threatened to take legal actions again my mother, who co-signed for {$10000.00}, and is now estranged from me because of the hostile actions of this company. THey refuse to acknowledge that I am on a low income and keep telling me that I need to find a better job. I already work 40+ hours a week for {$12.00} an hour, where do they expect me to find better work WHEN I CAN NOT GO BACK TO COLLEGE BECAUSE OF THEIR ACTIONS AGAINST ME?
Consumer complaint received 2015-06-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

I co-signed for XXXX loans way back in the year of XX/XX/XXXX. 
My son defaulted on the loans and naturally the company ( XXXX now known as NAVIENT ) came after me the co-signer. I told them I am sorry but I have financial hardship due to my XXXX and medical bills and can not make any payments. It has been 14 years and the statue of limitations has applied. Further more these loans were included in my Chapter XXXX bankruptcy discharged on XX/XX/XXXX. It is in my contract that I can include in a bankruptcy if there is a financial hardship. 
Please have NAVIENT to stop selling the loan accounts to credit collectors. Please have the credit collection company to stop reporting non-payments to the credit bureaus. 
NAVIENT has turned