davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP (GA)

On XXXX XXXX of XXXX, I filed chapter XXXX Bankruptcy. In the XXXX XXXX ... I notified all my creditors, including SECURITY FINANACE ... .located in XXXX , GA. But for some reason they continue to call me and harass me, not only on my account. But XXXX others accounts of individuals .... who I had referred to this institution .... Things had gotten so bad that I had to file a complaint against the branch manager of this location .... ON Tuesday XXXX XXXX, XXXX, cause she ( Branch Mgr ) had called me on Monday the XXXX of XXXX .... Demanding that I come into her office and make a payment on someone else 's account ... .. I only know her by the name of XXXX, but her illegally debt collecting practicing have reach its limitation with me .... The individual, few months ago, gave me copy of another individual credit report that she had ran ... ..
Consumer complaint received 2016-07-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (IL)

Earlier this month, I received notification from my credit monitoring service that my credit report had changed. Knowing that I had n't filed for any new credit, I was immediately concerned about this. I checked my notifications only to see a account late notice on my report for a debt. I have no idea what this late notice corresponds to and I am not behind in my bills. I have not received an notification from the company regarding this alleged debt that I owe. My scores have dropped over XXXXpts, to XXXX, due to this alleged debt. This is utterly unacceptable!
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

On  XXXX  a contract  was made with  XXXX  management to rent an apartment between myself and two other people. One y ear later the contract was renewed on  XXXX   XXXX  with a new company that took over the apartments named  XXXX   XXXX   XXXX   XXXX . with myself and  two new other room mates. One of my ro om mates decided to leave in  XXXX    XXXX   but continued to pay until end of  XXXX    XXXX   but during that month he states he will not be returning to  XXXX  and will be staying in  XXXX . As of  XXXX  and  XXXX    XXXX   I asked the personnel if I could get a smaller apartment by myself within their apartments since other room mate had left out of town and would probably not be returning and my other room mate lost his job. Front office personnel stated they had to sign a form to release me from the contract, which room mate refused to sign and they could n't move me. On  XXXX   XXXX  I found another apartment with another company due to not having any more room mates and company not cooperating. During the middle of  XXXX    XXXX   the apartment keys were given back and company immediately begun renovation for new awaiting tenants for  XXXX ,   XXXX  . Rent was paid in full for  XXXX  while company was renovating. I am sent to collections shortly after without receiving a bill, notice or explanation of what is owed on  XXXX   XXXX .
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

I called them because they have been over drafting me for years. My money has gone missing multiple times when Ive had the money in account. I currently owe a car insurance because I made a payment with my debit card and checking an account and the car insurance says they didnt receive it but Wells Fargo says they did. They tell me they cant disclose any information and Ive been banking with them since 2015.
Consumer complaint received 2016-06-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MODERN FINANCE COMPANY (CA)

This situation is getting very frustrating and is now affected my state of well-being do to the way Modern Finance is conducting business. on XXXX/XXXX/2016 paid {$1000.00} and noticed my receipt i got back after i made the payment that next due was XX/XX/XXXX2016.requested that they fix it and if i can get a new receipt with corrected amounts but they crossed it out with a pen and hand write XXXX/XXXX/2016. Now i got emails from XXXX XXXX dated XXXX2016 stating i get in contact with her in regards of the account. on XXXX2016 received another email letting me know that she recieved a payment for {$9000.00} and attached copy of check. which Modern Finance failed to post on to my account. If they think that they are gona continue to do this they are wrong my next step will be to push this threw the courts and hold XXXX XXXX and Modern Finance liable on there face for any additional fees I come by.all my receipts and paper copies show all the erroneous inputted data from XXXX there for hope that CFPB can help with this situation again.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (CT)

I contacted FedLoan Servicing via their " Contact Us '' email on XXXX to inquire about the status of my income driven repayment request and informing them that I ca n't afford the standard repayment. I received an automated response acknowledging receipt of my request, but no answer. I also completed all of the income-driven repayment ( REPAYE ) info via studentloans.gov on XXXX and have yet to see my payment change. I contacted them again yesterday via email and received another canned response without having any of my questions/concerned addressed. I expect that any delinquency reporting will be cleared up with my credit bureaus and that someone will reply to me to update me on the status of this request. Please reply so I can resume repayment at an appropriate payment level. I have documentation of all of these requests.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (OH)

currently in litigation with XXXX banks i asked for information to be removed due to the court proceedings, still being reported which is holding my score back please remove mortgage account that appears and XXXX who was previous removed but has reappeared.that would able me to refinance my home and purchase a vehicle because the mortgage i have been paying for them not to report so i am asking for it to be removed.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

Hi! We decided to report this thing to complain about the credit score we have right now with my wife. We would like to inform those XXXX agencies to check the other side of the coin rather than reporting right away and ruining our right to live right. Here is the story : We started to consolidate our debt using XXXX XXXX XXXX XXXX, and after that we where started with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, TEL # XXXX.They started deducting money amounting to XXXX $ starting XX/XX/2011 on my wife 's account. They were no problem for 3 years and after that we received numerous letters and calls from merchants and says that they have n't received any payment from debt consolidating company for 2 months and so, then we decided to call that agency but to our surprise they said it was already transferred to XXXX. without informing us. Few months run no problem but after that they failed again with payments but there are deductions on our accounts but not remitted to the merchants. Then we try to call the new agency but no luck, so we decided to pull out the payment through this agency and we decided to pay the merchants directly but the problem is our FICO score is already damage without asking what happened. So we decided to right this story to help us with our future plans ( educational loans, house loan and car loans ). Hope to hear good news from you soon. With regards to multiple inquiries, i hope this is common when looking for a car, because if we dont get a car it will affect our job because Arizona is an state with less means of transportation. we can get a car in dealership but its too much so we try to get 2nd hand as much as possible. no car no work is Arizona.Thanks in advance
Consumer complaint received 2016-11-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2016, I went to an ATM at the Chase Bank on XXXX in XXXX, NY to make a withdrawal for {$460.00}. When making the withdrawal, I took to long to take the {$460.00} out of the machine and the ATM took the {$460.00} back. I did not receive the {$460.00} from the ATM. I have been calling Chase 's claims department for almost XXXX weeks trying to have someone apply the credit back to my account. Every day that I call, the representatives continue to give me different time frames about when I 'm going to receive my credit. I just want my money applied back to my account. Can someone please help me???
Consumer complaint received 2016-12-27
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (ME)

on XXXX i called discover to see about lowering the interest rate on my account and was told it could n't be done but financial aid may be able to help. i spoke to XXXX XXXX XXXX XXXX who said i could be put on a program that would reduce my interest rate to 9.9 % o both purchases and cash advances for a period of 6 months. i noticed that each month the cash advance amount would increase. when asked why i was told all money after interest was applied to the lower purchases balance and the only way to decrease cash advance amt. was to get that balance below the purchase amt. XXXX checked with her supervisor and told me if i made a {$150.00} payment, that would bring the cash advance balance below the purchase balance and then any additional money after interest would be applied to the cash advance balance and to call back in a couple days to be put on the 9.9 % program.. i made a {$160.00} payment on XXXX/XXXX/16 after my regular monthly payment was made. i was told by XXXX that it would all be applied to the cash advance balance. before the payment was made the purchases balance was {$3100.00} and cash advances balance was {$3300.00}. when i called back on XXXX i spoke to cooper. after the XXXX payment the purchases balance was XXXX and the cash advances balance was XXXX when i explained to XXXX what XXXX had done, he said he spoke to her and his supervisor and that XXXX was mistaken and the balances were correct and there was nothing i could do about it i feel that i have been lied to. i understand the conversation was recorded and that discover has a record of what XXXX told me..
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

Recently with Equifax credit reporting agency a paid collection reporting as XXXX XXXX XXXX was deleted from my credit report and was then replaced on my credit report a few days later. I monitor my credit report very closely and disputed this change, which I thought was in violation of my rights for fair credit reporting. Equifax however, refuses to remove the item.
Consumer complaint received 2015-05-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

I have been locked out of my checking account with Suntrust bank for 2 weeks. After speaking with customer service, I was told it was locked due to a questionable check. I went into a branch and they told me it was turned over the the fraud department and told me it was a check for XXXX from XXXX, which was my daughters payroll check. She had deposited XXXX prior to this with no issues. My daughter contacted the payroll department at her work and they assured her the check was fine. They emailed a few days later and told her the check cleared on the XXXX of XXXX which was the day after she deposited it. 
A Suntrust employee at the branch spoke very rudely to me and treated me as if I were in the wrong. She told me I had to just wait and see if Suntrust wanted to terminate the relationship they have with me. Meanwhile they would hold on to my money with no further explanation. When I asked why someone did n't call me or contact me when the check in question arose, she said she could n't speak to me about it any further and I would have to just wait to hear from them. I asked how long that would be, she said indefinitely. I asked by what means they would contact me and she stated it would be either by phone, email or regular XXXX. It has been 2 weeks and I have heard nothing and my account is still unobtainable.
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

Experian is reporting a paid collection that was settled with XXXX XXXX XXXX in XXXX of XXXX as a collection as of XXXX of XXXX. I previously disputed the incorrect status on XXXX/XXXX/XXXX because the settled account was reflecting as a collection as of XXXX XXXX, today XXXX/XXXX/XXXX, I received the result of the dispute that the account was again made to look like the paid account was a collection as of XXXX XXXX. My XXXX score has dropped almost XXXX points as a result of this because the paid collection is now being recognized as a new collection and I have recently been denied a loan because of this. The account should reflect as closed as of XXXX XXXX. I spoke with a rep from Experian on the phone and he can see in his internal system that the account was paid in XXXX, the incorrect historical information can not be removed and I should contact XXXX XXXX about my concern. He also stated that XXXX XXXX responded to the dispute that the account was a collection as of XXXX. This is a clear violation of section 607 ( b ) of the FCRA. Section 607 ( b ) of the FCRA requires Experian to " follow reasonable procedures to assure maximum possible accuracy of information ''. 

I spoke with multiple reps and managers with XXXX XXXX as well. XXXX XXXX says that they can not report nor correct the correct information and that I must contact Experian to have the information updated to reflect the account paid and closed as of XXXX XXXX. By refusing to direct Experian to update the account with the correct info, XXXX is in violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authothize anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within XXXX ( XXXX ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (GA)

I took out loans through Sallie Mae and they were to be deferred payment so I did not have to pay on them while I was in school. Responsibly, I started making small payments each month to get a little ahead and then payments started being required of me and they were more expensive. When I asked about it they told me it was just how the loan was set up. Even though it says the repayment date is XX/XX/2019, I am still having to pay on it. This is not how my loan was to start with and I should not be required to pay back money now.
Consumer complaint received 2017-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ACS Education Services (AL)

I was consolidated without my knowledge into some consolidation program that doesnt offer public service forgiven  ess.
Now I am trying to reach the Department of Education to credit for all those years I paid under the consolidation and they are refusing.
I have been paying for his loans for 20 years and if he needs the forgiveness I need to start all over with another 120 payme  nts in order to get the forgiveness. As a veteran of the  XXXX   XXXX  I would expe ct our government to treat me with the same respect and service I have given them..
Consumer complaint received 2016-09-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RMB, Inc. (KY)

I paid a medical bill to XXXX XXXX on XXXX/XXXX/16. I received a letter the end of XXXX dated XXXX/XXXX/16 stating that my account was past due. I contacted and faxed proof that it was paid and have now received a notice from a collection agency, RMB , Inc . I contact them and tried to explain that this was indeed paid and the gentleman was very rude. I have called XXXX XXXX again and faxed everything again. Was told that the girl that handle credit card payments was on vacation.
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MA)

I have contac ted discover be cause I realized I am still being billed for payment protection each month. I enrolled in auto payment and paperless billing. I do not use this card for purchases and use the app to confirm my payment went through and see the balance going down each month and never up. But apparently th ey are sneaking in payment protection. I called them and they offered me the max of a six month credit. I did research online and saw there was a law suit about this that was settled and that Discover had  to notify the customers and refund them. The woman tonight on  XXXX   XXXX  informed me their policy changed in  XXXX  and I no longer qualify for the full refund only th e six month. When I asked why I was not informed she mentioned they mailed it to me which I never received! I asked for a copy and they said the copies are property of Discover and I am not allowed to see this but to be assured it was sent. Why would I ignore this and wait until now to call about it? Of co urse I would want a refund asap!     I have been billed hundreds of dollars a year even recently and have not been refunded for these fees and I never signed up for this or have been explained the fee or agreed  to it. One woma n said since  XXXX  I signed up then the othe r one si nce  XXXX  and I said how I did n't open my account until  XXXX . I am only trying to get a refund of atleast  XXXX  to current. I was never informed of the lawsuit and was never offered any refund and one was never applied to my account previously. Please help.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (KY)

1. I have been unable to receive my credit report from Experian via www.annualcreditreport.com due to a problem on Experian 's end ( according to the error message ). This problem has continued for over a week. Other complaints online suggest that the problem has continued for much longer. 
2. The site offers a way to receive a report by mail, but the request form is corrupted. I am unable to load the form. Other complaints online mention that the form 's PDF file is corrupted.
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CA)

I consolidated my student loans with XXXX. I have request all 3 credt agency and Nelnet, XXXX to be removed from my credit report. Now they are showing red marks. I am denied credit because of the loans that hve been satisfied. They all are on my report showing a huge negative impact
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I have been in constant contact with Experian about these accounts listed below and when i send in a dispute telling them to correct certain errors they tell me that they will not investigate because they do not have to. The errors were clear as day but they refused to help me. Here are the accounts that i disputed previously to where i was denied to dispute any issue with the account after sending in new reasons for the dispute after the asked me too and i was still denied to dispute with them. So now these inaccurate accounts make me look bad and its not my fault. 
XXXX
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KY)

I am divorced from XXXX XXXX XXXX as recorded on XXXX XXXX, 2013 in the XXXX XXXX XXXX XXXX, XXXX As part of my divorce decree, my ex-wife was deemed entirely responsible for a loan we jointly entered into when married. This loan is with XXXX XXXX Bank and was a loan used to improve a house of which she has current ownership. Even though the payments are less than {$200.00} a month, she has not made them in a timely fashion. I realize that my name is still on the bank records for this loan, but my decree shows that this responsibility is hers and hers alone. The negative impact her continuing poor financial management is having on my credit score is unreasonable. I respectfully request that this entry is removed from my credit score. 
As a second item, I have worked quite hard to satisfy all outstanding debts to the creditors at XXXX, XXXX XXXX, and XXXX. These debts are still showing as unsatisfied ; this is simply not true. Please correct these errors. 
Finally, I feel wrongly penalized for the credit inquiries I have had to request in pursuit of rehabbing my credit after divorce from my financially irresponsible ex-wife. How is a man who has served his country supposed to recover from the financial devastation wreaked by the person at home who was trusted to manage those finances if not by getting records and assessing damage? Please, is there any way to remove the negative rating these inquiries give me?