davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NC)

I have the following issues with AES, the servicer of the student loans : 1 ) AES failed to provide information about how I, as the co-signer, could be removed from the loan and when questioned, I was told that I no longer qualified because the primary borrower had failed to meet the requirement of making XXXX on-time payments due a hardship forbearance he received. I was not told if I was barred for the life of the loan or if there was a reset period. 2 ) Also, AES failed to provide the information about how the account could be rehabilitated and negative reporting removed. They were not able to provide me with a contact that could provide this information. I was told to call the lender, National Collegiate Trust, who then told me these decisions were made by AES. 3 ) In addition, despite me filing fraud claim with AES against the primary borrower regarding these loans, AES reported a 30-day delinquency on my credit report. 4 ) Finally, the delinquent account was turned over to a collection agency by AES, but I never received any written correspondence from the collection agency prior to the delinquency being reported to the credit bureau because the collection agency was given an outdated address. My account is set for me to receive paper correspondence.
Consumer complaint received 2016-09-15
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

I received a phone call from a relative stating that company said that I have charges pressed against me and I am going to jail. The relative gave me a phone number to call. They said that they are the county legal office. They said I took out a long term for a bank. They saw me go into the bank. I never took a out a long term. Today, I googled the number that was given to me ; ACE payday loan pop up once. I did take out a payday loan that was short term in 2014 and was paying on it.
Consumer complaint received 2016-01-14
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

XXXX ( XXXX ) XXXX harassing me for a debt I do n't owe. Received my personal information from ACE payday lender from a supposed debt from 2010. Never had a outstanding debt with this lender. Did use them at one time but never left any debts unpaid. They are harassing myself and family members.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.
Consumer complaint received 2015-07-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (MN)

Hello, I am the co-signer of a Sallie-Mae private loan. This loan is more than XXXX paid off and in good -standing. Sallie Mae is harassing both my daughter and myself by calling us non-stop multiple months in a row stating payments have not been made. Payments have been made ; however Sallie Mae does not process them in -time or properly. From my end, payments have been withdrawn from my bank account and then not applied for XXXX weeks to the account. This month, I made a payment with Sallie Mae 's own internal payment system and received a confirmation number. This was on XXXX XXXX. Payment was processed on XXXX XXXX. I called on XXXX XXXX to speak with a customer service rep to re-confirm this was what was showing on their computer screens. I was told yes this is correct and that payment was applied. Harassing phone calls continued throughout the holiday weekend. XXXX XXXX another harassing phone call arrived in the afternoon. When I returned the call, the service representative answered the phone and stated I had an overdue balance and asked me how I was going to " take care of the balance due today ''. I informed this representative payment was processed and already paid. She went on to ask if I had the correct address. I informed her that yes I do ; however, this payment went through Sallie Mae 's own internal payment system over the phone. When she indeed checked, she confirmed that the payment was processed and that the account was current. I requested the harassing collection calls to stop and she verified that they would indeed stop as of that phone call the afternoon of XXXX XXXX. My daughter and I both received another call XXXX on XXXX XXXX. I have since blocked the Sallie Mae number on my phone and have advised my daughter to do the same. I informed the service representative that I had investigated the bill pay software on my computer. When prompted for address changes/updates, the program states " Sallie Mae will contact us with address changes ''. I have correct address for bill payments, but since the program does not allow me to manually put them into a payer with established contacts such as Sallie Mae, I have decided to mail future payments. The representative told me not to mail the payments because they have a slow time processing the mail. I do not have any problems or difficulties with any other loans or any other bills I pay. I would respectfully request Sallie Mae to stop harassing both my daughter and myself with phone calls when payment has already been sent. I further request all late fees from this year be removed from this loan. I would also like an apology from someone for all of these harassing phone calls and loss of time from my day. 
Sincerely, XXXX XXXX XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2016-10-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: IQOR US INC (MO)

I am trying to get help with my loans and the collection agency is not helping me whatsoever. I am being garnished and due to that, I am now being evicted. I spoke with XXXX XXXX and he said the only thing I can do is pay this off. Which would be great unless I am not able to do that apparently if I am already being evicted because of this. I am not trying to not pay my loans back but I need help from my lender and they are no help at all.
Consumer complaint received 2016-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (VA)

I contacted Stellar Recovery Inc about this account that was sent to them by XXXX at XXXX. Stellar Recovery told me that the account is no longer with them and that I should contact XXXX XXXX. I contacted XXXX XXXX at XXXX and they told me the account is no longer active and they ca n't do anything about it.
Consumer complaint received 2015-03-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

My mortgage was sold to Seterus around XXXX of XX/XX/2014. I had previously sent a payment of {$57.00} to cover an escrow shortage to my prior mortgage company. When my loan transferred, the amount of {$57.00} was credited to my escrow account as of XXXX XXXX, XX/XX/2014, however my payment was a higher amount. I contacted them on XXXX XXXXXX/XX/2014 and was told that they would not be able to credit that amount since it was received by XXXX. They proceeded to tell me my mortgage payment would be increased to {$1100.00} per month and would not be the {$1100.00}. The amount of {$57.00} was listed on my XXXX XXXX statement for the month of XXXX from Seterus as a single payment to my escrow account. Yet, I had to make the higher payment amount of {$110000.00}.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MI)

I disputed the payment history with the letter dated XXXX. I have not heard anything until when I pulled my credit yesterday with XXXX XXXX, Equifax is showing that my balances are over utilized and that I was 60 days late with the XXXX credit card. This is defaming my name. I am now applying for an apartment and these inaccuracies are resulting in the inability to get an apartment. I expect immediate correction of the payment history of XXXX XXXX Credit card. Also, the balances are incorrect. It should read {$0.00} balance for XXXX CC an {$0.00} for the XXXX XXXX. 

Thank you,
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me. 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!
Consumer complaint received 2022-08-25
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. (CA)

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all 3 credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX Inquired on 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP (NJ)

I have an account with Spencer Savigs Bank which is managed by Elan Financial. Not only did I receive a call from them telling me that I was XXXX days past due without them even verifying any information other than my name, when they discovered that my payments had applied to my spouses account, they refused to transfer the payments. They said that they could not transfer the payment because my husband has a payment due this month on the XXXX. His account is not past due and they see that more than XXXX payment has applied to his account and this is an obvious error yet they still refused to transfer the XXXX payments that were made to his account.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (VA)

I have contacted Equifax several times regarding my personal information. I have asked several representatives to update my mailing address as well as my name on my report. I went through the report and they assured me my information would be updated. Even I received my new credit report, the names and addresses I asked to be removed were still showing.
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

In 2004 I discovered I was the victim of identity thief. I filed a complaint with the police department -- XXXX, VA. For several years following I filed request for Experian to remove the information from the report. After many years of complaints to the FTC and them directly they sent me reports showing that the information was removed from my report. 

The information is still on the report and in their data base. Since they provide erroneous and fraudulent information to government agency I continue to have countless problems with receiving benefits because I can not verify my personal information. For instances, I can not apply medical insurance throw XXXX XXXX XXXX, State Unemployment or anything else. 

I have seen copies of my Experian credit report that companies have received that show the fraudulent and wrong information about me and are different then the credit reports I receive as a individual person at the same time.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

The following names below are incorrect and need to be deleted. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are incorrect and need to be deleted. 

XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX The following social security number is incorrect and needs to be deleted. 

XXXX
Consumer complaint received 2017-02-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP (AL)

I have contacted Security Finance several times in an effort to have them report correctly to the credit bureau that the account I had with them does not have a balance. According to my credit report they continuously verify the account as showing a {$900.00} balance. I recently spoke with a representative at the XXXX, AL office that informed me that the account reflected a {$0.00} balance and was agreed to be listed as paid in full and is listed in their system under bankruptcy filings. However, that is not the case as it reflects on my credit report. The representative also informed me that the system in which they report to the credit bureaus has been inoperative since XX/XX/2016. I questioned them and asked if the system is not working, how could they possibly be reporting correct information. I did n't get a response. According to the FCRA reporting false information to the credit bureaus is against the law and is rights for me to collect up to {$1000.00} per violation. I have informed them numerous times reporting inaccurate information is unfair to me as a consumer and they are diminishing my credit history on purpose.
Consumer complaint received 2017-02-10
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Green Square Company LLC. (FL)

I got a call and voicemail from a XXXX XXXX. Called her back at XXXX xt XXXX and the phone was answered by someone else. XXXX then got on the phone and told me she was with Premier Group and that I owed money on a default loan to XXXX XXXX XXXX and needed to pay it back. She originally could not locate my number or name in her system. Then when I verbally spelled it out she said oh yeah there you are. When I asked her to send information in writing she told me to hold on and then there was music playing. Then a man got on the phone and basically told me that I was n't asking him the right questions and that if I intended to pay that I would be asking him how. When I told him that he needs to send me something in writing he told me that I had to setup a payment agreement first. When I told him I would not do anything without proof of his claims in writing he told me okay fine and hung up the phone. I have looked them
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX I sent letters to EQUIFAX requesting verification. EQUIFAX continues to break federal laws according to FCRA. EQUIFAX has conducted a improper investigation. Equifax has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Furthermore, Equifax have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly DELETE all information which can not be verified. '' I REQUEST THAT ALL UNVERIFIABLE INFORMATION BE PROMPLTLY DELETED.
Consumer complaint received 2015-07-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (WI)

We took out a private student loan for my son XX/XX/XXXX with a variable interest rate, the loan amount was for XXXX, they charges us 13.586 % interest on the loan while he was in school and doing his XXXX so he started paying on the loan XX/XX/XXXX. At this time the loan is at 7.25 % and the new balance is XXXX, I have been on the phone for days trying to get information on this loan so we can try and redo it through the company that owns it and lock in the interest rate. I was told American Education Services owns it who told me National Collegiate trust owns it who told me AES owns it, regardless everyone at every company I talked to have said they can do nothing with the loan we are just stuck with it and when he pays it off he will be paying a total of XXXX. We were in a position where I got sick and had XXXX XXXX and needed to get him through school and did what I thought was necessary at the time to get him the funding to finish, not realizing no one would work with us and this could not be rewritten. We do not want the loan forgiven we just want a reasonable interest rate, and no one will work with us.
Consumer complaint received 2017-01-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/XXXX I was charged XXXX twice ( XXXX ) by XXXX. I never made a transaction with them. I went into Regions Bank on XX/XX/XXXX to dispute this transaction as I had already tried to correct this fraud charge with XXXX and was getting no where. On XX/XX/XXXX I received a letter form Regions stating that my claim was denied. the letter sated that my claim shows I cancelled aster the transaction date! WHAT! I told Rgions this was straight up fraud by XXXX. I never authorized them to charge my card not did I ever sign a credit card authorization. The total of XXXX that was charged is fraud and needs to be refunded back to my account asap.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: STERLING JEWELERS, INC. (NY)

I went into Kay Jewelers at XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX to view engagement rings. The sales person offered to run a credit check to see if I could qualify for financing and I agreed. I purchased a few gifts from Key Jewelers on my own credit card. A few days later, I received a Kay Jewelers credit card in the mail. I never agreed to starting a credit card, and told the customer service rep. when I called to cancel the card.
Consumer complaint received 2016-08-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NY)

I never requested, applied for, or authorized a credit card or bank account with PNC Bank at any time whatsoever. First they started sending me account statements, which I ignored, and now they are saying I owe them money, which I will never pay. This whole thing is a fraudulent scam that needs to be shut down. PNC Bank is completely dishonest and I want nothing to do with them, and never did at any time. In spite of numerous requests they refuse to close this bogus account down.