davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

I have been faithfully been paying {$220.00} toward my private student loan of {$35000.00} and Navient turned around called me today and increased my payment to {$480.00}. I asked them about doing some type of repayment plan with a less amount for a longer period and they said it was nothing they could do about it. I am a single mother of XXXX children ( XXXX ) which I can hardly buy food or pay rent in the XXXX bedroom aprtment we live in now. I am a XXXX and work night shifts and it is affecting my health, rushing home to get my children up, fed and ready for school. I ca n't even go over homework with them and they fall behind due to my schedule trying to make money to pay back all this school debt which is {$150000.00}. I need help and nobody can seem to provide relief for me. It 's not fair to my children that I can not be there for them. I went to XXXX University and graduated and successfully have a career in XXXX as an XXXX but XXXX knows if I could pay all this school loan debt I would but this is taxing on my life, my children, and my health. I need HELP! If you can provide me with help or someone to contact please call me XXXX I ca n't take this anymore. My Aunt cosigned for me to get this loan so that I could continue my education to become a XXXX and I do n't want to let her down by going in default. Please, please help!!
Consumer complaint received 2016-11-01
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: DISCOVER BANK (AZ)

I applied for a home equity loan on XXXX/XXXX/2016 and sent the documents requested by the personal banker ( XXXX XXXX ) on XXXX/XXXX/2016. I did not hear from my processor ( XXXX XXXX ) until XXXX/XXXX/2016 and responded to her requests the same day. The processor does not return phone calls or emails. To add insult to injury, I received a notice in the mail that my application would be cancelled if I did not respond to the requests for documentation ( which I already provided ) by XXXX/XXXX/2016. I received another email from the loan processor on XXXX/XXXX/2016 asking me how I was progressing in providing the documents that she requested, to which I responded that I 'd already provided the documentation, and she has yet to reply to me. I have made several unsuccessful requests to speak with XXXX manager about these concerns and still have no resolution. XXXX lack of organization, customer service, and poor responsiveness have delayed the underwtiting process of my application and caused me unnecessary inconvenience.
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (TX)

THIS IS A NEW COMPLAINT WITH NEW INFORMATION! Please review the updated information so that Discover is required to respect the law. In 2009, I moved to XXXX. I have lived here in XXXX XXXX, XXXX for the past 6 years. Discover keeps reporting an account to my credit with a balance that is collectible with out verifying I did guarantee it or when the last payment received. They claim I have lived places with out documentation. They still attempt to collect a debt now acknowledging it is out of the statue of limitations.
Consumer complaint received 2016-07-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (GA)

RE : Rent Recovery XXXX XXXX XXXX XXXX Account No XXXX I have never paid late. The amount due is in error and does not take into account the more than {$1000.00} they received from me that I never got credit for, OR the {$400.00} deposit that was not returned to me. 

This amount is due TO me, not to them, for making excessive and extraneous errors in their bookkeeping systems. 

The credit bureau report claims of Rent Recovery, XXXX XXXX, and XXXX XXXX are fraudulent and should be removed from my credit report immediately. Their address is : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Also, XXXX XXXX no longer exists and there is no XXXX XXXX that is a legal entity in the state of Georgia at this time. These companies no longer exist and there is no money due to defunct companies that ceased to operate due to illegal collections and mismanagement of funds. 

I have documents proving this as fact and can present them on request.
Consumer complaint received 2015-09-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AmeriCollect (MI)

The collection agency is attempting to collect debt I do not owe. They are attempting to " balance bill '' after the original creditor was paid what they agreed to accept from my insurance company for services. They have placed it on my credit reports and also have called excessive number of times to my place of employment. They have also let my coworkers know that the call was about a debt.
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Rent Recovery Solutions (SC)

I received a phone call from a representative by the name of XXXX along with a voicemail after it 's been told to cease all communications with me. She called me at XXXX est I missed the call and called back because I did n't know who it was calling me. So I called the number back twice the second time the representative answered I told her that I was returning a missed call she asked if I was XXXX I said yes but did n't verify any other information, according to FDCPA debt XXXX are still supposed to verify the identity of whom they are reaching, she never asked my date of birth nor my social, she did however disclose mini-Miranda which they did n't do the first time. This is my second complaint against this company for violating and breaking all FDCPA regulations. They are attempting to collect on a debt that is n't mine. I 've hired an attorney as of Monday XXXX I am represented by Law Offices of XXXX. and this company is aware of this. I am seeking legal actions against them and I am pursing for compensation.
Consumer complaint received 2017-01-07
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (CA)

My issue relates to the article written by you. 
I was enrolled in Discover 's " payment protection plan '' which I have ZERO recollection of ever enrolling in -- trust me, I do n't have enough money to just randomly hand them over a percentage of my credit card spendings every month. They enrolled me in this program XX/XX/XXXX ( or XX/XX/XXXX ), due to my admittedly poor due dilligence, I did not notice this being charged monthly until last month. I called them IMMEDIATELY to tell them to remove this program, that i never enrolled, that I never WOULD have enrolled, and that if I DID enroll, it 's because of their dishonesty and not properly explaining this program to a kid getting his first ever credit card. 

They simply said they would reimburse me for the past 7 months, but I am essentially screwed for all the previous years and fees for which they have robbed me. I ca n't afford this and I feel so incredibly misled and taken advantage of, so I appeal to you to please help make this right. 

This details of this scam from Discover were covered by you before here : XXXX PLEASE HELP ME GET MY RIGHTFUL MONEY BACK. I was tricked and am already in dire financial straights. THIS IS NOT OKAY AND IS SO DISHONEST.
Consumer complaint received 2015-09-02
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Neon Newco Corporation (MI)

XXXX Michigan Paralegal XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX Michigan XXXX is debiting my checking account with Net Spend Corporations unlawfully with out authorization of notice. At this time I 'm not rendering legal services from Paralegal XXXX XXXX XXXX or the Legal Services of XXXX XXXX Michigan and the unauthorized charges for legal fee 's, court cost, and legal forms has become a financial obstacle in me maintaining my monthly expenses. The following charges are not authorized by me from the XXXX XXXX of XXXX XXXX Michigan : XXXX XXXX $ XXXX XXXX, 2015 @ XXXX XXXX XXXX XXXX CA - {$29.00}
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (KY)

ALL XXXX AGENCIES GIVING ME THE RUN AROUND SO THAT ILL EITHER PAY FOR MY FREE REPORT OR USE THE POSTAL SERVICE SO THAT I MAY NOT PROCEED WITH MY DISPUTES ON MY REPORTS..XXXX ARE SAYING I HAVE ALREADY RECEIVED MY FREE REPORT WHILE ANOTHER ASKS SECURITY QUESTIONS THAT ARENT CORRECT AND WHEN I ANSWER " NONE OF THE ABOVE '' IT SAYS TO MAIL IN ALL TYPES OF VERIFIABLE ID..IN HOPES I WONT PERSUE IT..
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CO)

I am initiating this final dispute in referenced to the accounts that I have original disputed above. I have disputed these accounts information as inaccurate with Equifax, and Equifax has come back to me and stated that they were able to verify these alleged debts. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX XXXX and XXXX XXXX XXXX myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests for them to " Validate '' these alleged debts, and the receipts showing that I sent these letter certified signature request. These debts are not mine and I was given any evidence of my obligation to pay these alleged debts to the collection company 's listed above in this letter ( XXXX XXXX XXXX and XXXX XXXX XXXX ). 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I would also like to request that a new fully updated copy of my Equifax credit report be mailed to me at the address listed above in this letter. 
As you can see I am keeping a very detailed record of all my correspondences with Equifax. 
I look forward to a speedy resolution of this matter.
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (AZ)

After reviewing my Credit Report I call XXXX XXXX XXXX XXXX XXXX about a collection on my credit files they and agreed that if I paid the XXXX owed XXXX 2016, they would delete the collection files from all Credit Reporting Agent however, that have not happen to this day XXXX XXXX, 2016, their excuse : On XXXX 2016 the said I would have to wait 30 days, On XXXX 2016 the said I would have to wait 30 days, Now XXXX 2016 I was told now I will Have to wait until XXXX 2016, albeit, the said they have informed all Credit Reporting Agent to delete my collection files as promised. However, Equifax stated the last communication they had with XXXX XXXX XXXX or XXXX XXXX was XXXX XXXX, 2016, and it was not to delete any files.
Consumer complaint received 2015-07-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (NY)

My Discover Card was illegally billed unauthorized charges totalling over {$3000.00} by XXXX XXXX XXXX. I informed Discover timely ( within 2 weeks before it was too late to make a complaint ), and gave Discover all information from the insurance dept who caught this dishonest dentist overbilling and illegally charging my card. I also sent the court documents showing that I won my case in court against this dishonest orthodontist. Discover, refuses to credit back these unauthorized fraudulent charges and Discover has refused to give me the regulatory agency for the Discover bank and the legal New York State address for service of legal papers to their CEO XXXX XXXX, to serve papers to sue for the charges to my Discover card they are refusing to credit back. When I call the woman in the office told me " XXXX XXXX is too big to sue '' and hangs up on me, refusing all legal information I am requesting. I ask that your FDIC agency assist me in either getting my credits from the illegal unauthorized fraud charges to my Discover Card and the legal address for service for XXXX XXXX, CEO - Discover. Thank you. 

XXXX XXXX ( # XXXX ) XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX Cell ( XXXXXXXXXXXX ) XXXX XXXX, ny XXXXDiscover Card # ending in XXXXcard imageGood Afternoon, XXXXCard DetailsProfileCurrent Balance $ XXXXXXXXCredit Line Available $ XXXX of $ XXXX ActivityLast Statement Balance $ XXXXXXXXLast Statement DateXXXX XXXX, XXXXView StatementMinimum Payment Due $ XXXXXXXXPayment Due DateXXXX XXXX, XXXXDiscover More CardAccount number ending in XXXXOpen Date : XXXX XXXX, XXXX Close Date : XXXX XXXX, XXXXCardmember Since XXXXCustomer Service at XXXX ( XXXX )
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Between XXXX and XXXX XXXX, Equifax was hacked for over 140,000,000 credit reports. These reports included social security numbers and birth dates, everything needed for successful identity theft. This can have enormous repercussions if this data are ever used to forge my identity, and I must protect myself accordingly. Given the size of the US population and the number of individuals with credit information, it is highly likely that my identity was compromised in this hack. This high probability mandates that I act as if my information was stolen due to the negligence of Equifax in storing my information in an insecure manner. They should not have disclosed my information ( knowingly or unknowingly ) to anyone but me. This data will be in the hands of those who stole it for the rest of my life. Given that my social security and birth date will not change ever, this puts me at risk for identity theft for the rest of my life. In order to protect my identity for the rest of my life, I need to purchase ID surveillance software in perpetuity. The cost of standard packages is $ XXXX. Given that I am XXXX XXXX XXXX XXXX XXXX XXXX, and the social security administration estimates my lifespan at XXXX XXXX, this means I will need to pay for this service for an expected XXXX years, which is a total of {$13000.00}. I would like this money given to me now to compensate for this negligent improper use of my financial and credit information. 

Additionally, I already filed a complaint to this effect and was treated quite poorly by Equifax. I received a boilerplate response with no actual dealing with my problem. If this comment is not fixed to my satisfaction in this round, my next step will be to file a small claims suit against Equifax for the lifetime damages they have caused me.
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IA)

Seterus failed to pay real estate taxes from the escrow account. I have ceased paying into the escrow account, have made XXXX real estate tax payments on time, paid home owners insurance. I have paid all mortgage and interest on time. At this time, Seterus owes me {$5700.00} which far exceeds the amount they are reporting delinquent. Every transaction in the escrow account is wrong. I have presented them with documentation and have a complete file I can provide you with. 

They continue to threaten for closure and have reported me delinquent to the credit reporting agencies.
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

Equifax reported false information on my credit. My XXXX mortgage account was never late. They received information on the behalf of the military. They neglected to remove this information from my report. I need this removed from my report. They need to remove XXXX lateness from my report.
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NC)

Call Equifax to check my credit score because purchasing a home, spoke with rep XXXX, badge # is XXXX in XXXX, he would provide me with any information regarding my XXXX report because, I explain to him I did XXXX XXXX with XXXX XXXX XXXX, Equifax XXXX, and Transition XXXX. Seem to me every time I call and get a foreign customer service rep, my score is dropped XXXX point. I believe it 's because of my ethic background or where I am located. I am also a paying member of Equifax XXXX, they are not fairly scoring me properly. I have not late pays, nothing derogatory, XXXX mortgage inquires less than 30 days ( thru Creco ) a third party vendor. I feel that I am being discriminate against. When XXXX was not help, he end the call and did not hang up so I could complete the survey. He came back to the line twice, each time I advised him to hang up so I could take the survey. XXXX the transfer me back in queue. Look forward to hearing from you Thank you
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

XXXX XXXX servicing applied a lender-place insurance on my account by mistake. I always had insurance. So, finally after almost five months of requests ; they addressed the issued and applied the amount of the error ( {$5900.00} ) towards the principle balance instead of the escrow leaving the escrow account negative for the above mentioned amount. The Loan was transferred to a new service company ( Seterus ) which has not been able to resolve the problem too ( 3 months so far ). I keep being bounced back and forth between them and nothing has been resolved. In total I have been dealing with this issued caused by XXXX for over 9 months between both loan service companies ; amount of months I have been overpaying my mortgage by {$100.00} since my monthly payments increased due to the negative balance in my escrow.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. These accounts were opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. I am disputing these accounts due to identity theft : XXXX XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 12 Missed Payments {$0.00} DEPT OF ED/XXXX Student XXXX XXXX, XXXX Closed 8 Missed Payments {$0.00} XXXX Credit Card XXXX XXXX, XXXX Closed 3 Missed Payments {$460.00} XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 2 Missed Payments {$670.00} US DEPARTMENT OF EDU Student XXXX XXXX, XXXX Closed 1 Missed Payment {$7300.00} US DEPARTMENT OF EDU Student XXXX XXXX, XXXX Closed 2 Missed Payments {$820.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$360.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$1000.00} XXXX XXXX XXXX, XXXX Open {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Open {$5600.00}
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

I am attempting to clear collection accounts from my credit bureau file. I paid in full the XXXX listed as XXXX XXXX XXXX for {$120.00}. 
It is still showing on my file. 
XXXX XXXX XXXX would not take my debit/check card as payment only my bank routing # and acct #. I gave it to them against my better judgment. I collection item is still there. 
WHAT DID XXXX DO WITH MY MONEY?? WAS THIS A FRAUD??
Consumer complaint received 2017-09-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (MD)

I added my wife 's name to my account with GS Bank ( Account # XXXX ). The bank requested a new signature card, which my wife and I completed, and I returned. I then received an email saying that the card was not received. When I called, I was told that it was received, but that my social security number was incorrect. As far as I can tell, a zero with a slash through it was incorrectly read as a " XXXX '' rather than a " XXXX ''. The representative told me that a new signature card would be sent overnight on XX/XX/XXXX, and all that was required was my signature and another copy of my SSN.
That overnight letter was not mailed until XX/XX/XXXX, and received on XX/XX/XXXX. When I called and asked what happened, " XXXX '' told me that they made a mistake, and " that happens. '' He also told me that I would have to again travel and obtain my wife 's signature, and provide the other easily provided information. 

When I called again today, I was told that " everything is ok '' without any explanation. I do n't know what is needed, or why the delay/error occurred. The explanation that " errors just happen '' indicates to me that GS Bank has not resolved essential process aspects to their banking model. 

I would like a clear explanation of what is needed at this time, and how they want the SSN written or typed.
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

The problem I am having is that I have XXXX Georgia Department of Revenue state liens on my credit report with Equifax and the liens are not correct. The reference numbers for the liens are : XXXX and XXXX. Attached you will find a screenshot from the Department of Revenue Delinquent Taxpayer List and as you can see, I 'm not on it. You can see for yourself at the website by typing in my name XXXX Thank you in advance for helping me get these removed from my credit report.