davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-12
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (CO)

Due to employment issues ( taking demotion in lieu of layoff XX/XX/2014 ), I fell behind on my mortgage. Since that time, I was not only reinstated ( XXXX 2014 ), but promoted twice in a year. 

Seterus offered me a modification, I made the trial payments, and tried to continue paying, but they rejected those payments telling me I had to wait for the paperwork. My next contact was from the county telling me my house was going to foreclosure sale.
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

After multiple disputes Equifax continues to inaccurately report a late payment on my XXXX XXXX account in XXXX of 2016. XXXX has verified that I do not have a late payment and have sent multiple requests to update the information, yet Equifax is not updating the information.
Consumer complaint received 2015-09-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (PA)

I contacted Exeter Finance Corp to let them know I would be making my XXXX XXXX payment on XXXX XXXX. I called on the XXXX and had them debit my checking account for XXXX payment. On XXXX XXXX I received a call from the finance company stating I did not make the XXXX payment. I explained my conversation that I had on the XXXX and explained I made the payment. The customer service person told me it was not on their computer system and took the bank account information again. On the XXXX Exeter took out XXXX car payments which bounced my account. After numerous phone calls to customer service I spoke with approximatley XXXX different supervisors and after approximatley two weeks or so I received the unauthorized payment and the overdraft fees back into my account from Exeter. Since then I have been recieving phone calls harassing me that I have not made my XXXX payment and some of the customer service people are very nasty Apparantly they do not read any of the notes shown on my account. I have emaild and faxed over bank statements as recently as yesterday with no resolution to the harassing phone calls. I have called the corporate office twice and left voicemails with no return phone calls. I am looking for a resolution to this matter. It seems noone can take care of the issue at hand, the XXXX payment has been made and I am receiving harassing phone calls.
Consumer complaint received 2016-06-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK (NE)

I have been receiving paper statements for my Discover personal loan, even though I had signed up for electronic statements when I received the loan. For over a year I had no issues, and received electronic statements and no paper statements in the mail, which is what I want. I contacted Discover right away after receiving the first mailed statement and I was assured that it was a system update error and it would not happen again. I have contacted them about this issue 4 months in a row. I have explained to them that I have had mail stolen from my mailbox and I 'm concerned about identity theft, but they will not stop the paper statements.
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Several attempts have been made through the 3 major credit bureaus 's and cfpb to attempt to recieve vadilation of debt for a unknown company that neither agencies have been able to present proof or vadilation of debt the cfpb referred matter out to the ftc and i still have not recieved a correspondence and its been well over 90 days that i recieved vadilation of debt from the 3 major credit bureaus for the company called The General that Equifax and XXXX yet to provide validation of debt per law there is a time limit that vadilation haves to be sent to consumer and yet its not recieved or removed from my credit report
Consumer complaint received 2015-08-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

I renewed my loan with Suntrust about 2 years ago and up till now, i did not receive the loan documents and i had to email the department to find out about my monthly payment. 
Just yesterday, i received a letter from suntrust calling my loan due and all efforts to call the contact person mentioned in the latter has not been fruitful. 
I believe this is an unfair treatment.
Consumer complaint received 2016-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (CA)

I 'm one month behind on my Jarred Jewler bill and they call every two hours. I get as many as 7 calls day. I ca n't answer the phone all the time and I already told them I 'll pay my monthly when I get paid on Friday.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (TX)

I have XXXX loans with american education services. XXXX with a high interes of 14 % in the amount of {$6600.00} and another XXXX with an interest rate of 8.313 % in the amount of XXXX. I have been making payment since 2011 and the amount has decrease very little. I always make my payments but it gets difficult with so many other bills.
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (IL)

I submitted a request regarding specific over-payment instructions to FedLoan Servicing ( myfedloan ) and received a generic email response back. Not only did they not acknowledge my request, but they did provide additional information on how to service it. I followed the advice seen here ( XXXX ) in regards to providing specific over-payment instructions.
Consumer complaint received 2017-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC (TX)

This number keeps calling my cell phone. They also called my sister looking for our Brother.     They are lying and saying he has won something and they are clearly a collection agency.     Both mine and my sister 's phone # are on the national do not call list.     Thank you!
Consumer complaint received 2016-10-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I opened a Citibank interest checking account on XXXX XXXX, 2016 and deposited {$15000.00} into that account from by CIT Bank savings account on XXXX XXXX, 2016. I received checks for the account about a week later. On XXXX XXXX, 2016, XXXX cents of interest was deposited into the account. Today, XXXX XXXX, 2016, I logged into my account to find that the account was closed and that all of my money was gone. When I called Citibank, they refused to give me any information except to say that I would need to speak with an account specialist and that account specialists are not available on Sundays. When I pressed the representative, she told me all of the money had been withdrawn from my account by the back office. I have received no communication from Citibank whatsoever and now I will be forced to take time from work to determine what happened to my funds. As far as I am concerned, my funds have been STOLEN. DO NOT DO BUSINESS WITH CITIBANK! THEY ARE AS DISHONEST AS XXXX XXXX!!
Consumer complaint received 2016-05-01
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (TX)

I had a Citi XXXX card. In XXXX, I charged a total of {$9900.00} dollars to this card. This would normally pay out XXXX in cash back rewards. Citi chose to close my card for no reason. In fact, they sent me a letter effectively saying they have no reason - they 're just choosing to invoke their clause to close my account. 
But, they are refusing to pay my rewards. They are effectively stealing money. I mean, let 's look past the fact that they are closing my account down for no reason - as they noted, if they do n't want to do business with me - fine. I chose this card over other cards that did not choose me down. Citi profited on swipe fees with my account. Now, they are stealing the rewards they chose not to pay. This is deceptive and borderline criminal.
Consumer complaint received 2015-07-16
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (NE)

Payed for the same XXXX visa gift cards at XXXX XXXX on XXXX different credit cards. The visa gift cards were accepted twice by the scanner. Manager of store said he tried but could not contact anybody to help with situation. Chase credit card did not back me on the dispute after sending pictures of receipts to them been trying to get resolve. Please help.
Consumer complaint received 2017-05-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

XXXX   XXXX  ,2015-  XXXX - I  call  XXXX   XXXX   XXXX   XXXX  and they will try to removed this off my credit report because it 's pas t 7 years old. n o change on my credit report.
Consumer complaint received 2023-01-06
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-22
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. (LA)

In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX  Account Number : XXXX, 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXXXXXX, ACCOUNT NUMBER : XXXX, 15U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2also states a consumer reporting agency can not furnish a account without written instructions. IDEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVEPROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MYCREFIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TN)

I bought a house XX/XX/2016 while I was enrolled part time in college. I called Navient to find out if I could lower my payments due to the change in my budget. Mind you I was paying for college classes out of pocket. They responded that I should go into forbearance temporarily and then they would lower my monthly payments. They gave me no other options. I agreed because I could not afford the high payments and did n't want late fees. It angers me to find out they profited even more by backing me into a corner to choose forbearance. I should have been offered an income based repayment plan.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (VA)

I have maintained a Macy 's credit card for several years and pay the balance monthly. In the past 6 months, DSNB/CitiBank has been charging a {$1.00} 'Minimum Interest Charge ' each month, compounded, regardless of account balance. In other words, if I have not used the card and have XXXX balance, the fee is still charged each month. I pay any balance in full well before the payment due date and the fee is still charged. When I dispute the fee by calling DSNB, they immediately credit the fee. This is my inconvenience to wait on hold each month to correct DSNBs credit card add on fee. 
Admittedly, I have not audited my account over time to see when DSNB started this practice. The DSNB is charging this nominal credit card add on fee regardless of balance, which most will likely pay much less notice on their statement.
Consumer complaint received 2016-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TekCollect Inc. (IL)

TekCollect is attempting to collect a debt that is not owed. This alleged debt is to a XXXX in XXXX Illinois. XXXX refuses to provide any invoices or evidence that these monies are owed, TekCollect has no evidence to support this alleged debt. 

Security deposit is owed to me for the apartment,
Consumer complaint received 2016-11-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (PA)

M & t bank has been charging me overdraft fees XXXX i have done the math where the deposits an credits only equal XXXX there math says that it is XXXX. There math is wrong an shaky also i was sent a letter about a substitute check policy where u can claim a refund for a returned check i did the legwork sent the letter to the XXXX new york office i got a letter today that is untruthful. Whst can i do
Consumer complaint received 2023-01-06
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: Synovus Bank (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PR)

I opened an account ( residential account ) with XXXX XXXX XXXX XXXX ( known today as " XXXX '' ) in XX/XX/XXXX. I personally went to this company and closed the account in XX/XX/XXXX ( I am attaching evidence ). During the last years, this account appeared in my XXXX credit report in the " Closed Accounts '' section until it was removed from my XXXX credit report. Recently ( since XX/XX/XXXX ), this account was added to the " Open Accounts '' section when it was closed and removed from my credit reports. I submitted a dispute with XXXX along with an evidence letter. The evidence letter stated that this account was closed and that it has {$0.00} balance. Unfortunately, XXXX did not accept this evidence so as to remove this account from my credit history. I called again to XXXX and they asked me for another kind of letter ( Credit Correction Letter ). Then I called again to XXXX and they informed me that they " will '' send a Credit Correction Letter. Originally XXXX informed me they sent the letter but they did not. Attached you will find evidence that I went personally to XXXX in XX/XX/XXXX to ask for a letter as an evidence that this account was closed in XX/XX/XXXX.
Consumer complaint received 2017-10-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

Disputed several incorrect information on my credit report several times and Equifax fail to corrrect/delete. 

Creditor XXXX XXXX XXXX acct # XXXX is currently being incorrectly reported as an OPEN COLLECTIONS. This acct has been included in my XXXX XXXX XXXX that has been XXXX and should not appear on my report. 


Creditor XXXX XXXX acct # XXXX is included in same XXXX XXXX XXXX that is XXXX and should show XXXX balance or DELETED. 


Creditor XXXX XXXX acct # XXXX is included in XXXX XXXX XXXX XXXX and has NEVER been LATE. Incorrectly reporting XXXX days late. DELETE at once. NO PAYMENT HISTORY SHOULD BE REPORTED AS LATE AFTER XXXX XXXX FILING DATE.
Consumer complaint received 2016-04-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Central Atlantic Legal Group, PLLC, t/a Booth, Strange & Daniel (WV)

I had a credit card debt with XXXX XXXX XXXX, this debt was written off on XXXX/XXXX/2009, somehow a McCarthy & booth of XXXX Ohio got the debt, they took me to court and got a judgement even though I sent all paperwork back, including a copy of my XXXX, now they send a XXXX XXXX police officer to my home threatening to sell items from my home, my bank account, car. claiming I owe XXXX which is mainly court cost and paperwork, interest, how can there be interest on a debt that was written off 7 years ago per XXXX XXXX XXXX .harassment from this law firm has gone on now 4 years.
Consumer complaint received 2016-12-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (FL)

I was alerted by my identity theft monitoring program that a creditor placed an account in collections with all XXXX credit bureaus. This is the first I 've heard of this company and this debt. The creditor has never contacted me or informed of any such debt.
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (WI)

Synchrony Financial ( parent company of Care Credit ) ATTN : Customer Complaints XXXX, FL XXXX RE : " Holding '' of Funds | Care Credit Cardholder [ XXXX XXXX ] [ XXXX ] The purpose of this message is to alert you to an unfair, possibly illegal action of a financial institution. 

Situation I made a payment to my Care Credit Account on Friday, XXXX XXXX, 2016 ( by phone from XXXX checking account ) ( Confirmation # XXXX ) in the amount of {$1100.00}. The amount was deducted from checking account Monday, XXXX XXXX, 2016. 

I checked online and called Care Credit on Thursday, XXXX XXXX, 2016 to verify the account balance and available credit. To my surprise the {$1100.00} payment was applied to my " available '' credit. 

When I called Card Credit to ask why the {$1100.00} payment was not credited to my " available credit '' I was told that payments in excess of {$1000.00} are " held '' and not applied to available credit for 14-days. 

I spoke to two different phone agents and asked if this " holding '' policy is stated in the terms of use for the credit care. Both said no it was not. I stated that at no time during the payment-by-phone on XXXX XXXX was I informed that my {$1100.00} payment would not be applied to my available credit for 14-days. If this " policy '' had been stated to me I would have just made two separate smaller payments, each of which would have been immediately applied to my " available '' credit. 

Problem It is dishonest for a financial institution to " hold '' my payment of {$1100.00} for 14-days without proper notification, explanation, or warning. To be clear, for 14-days Care Credit ( Synchrony Financial ) generated interests ( profit ) on my {$1100.00} payment while denying me the benefit of this payment ( adjusting " available '' credit ). Why is Care Credit ( Synchrony Financial ) treating a long time honest customer like a criminal? NOTE : *Credit Limit : {$4500.00} *Current Balance : {$800.00}
Consumer complaint received 2015-08-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (TX)

My checking account was debited on the XXXX of XXXX which was the due date, the terms specifically allow for changes to the payment to be made until XXXX EST the day of the due payment. The debit to my account appeared when i checked my account balance at XXXX on the due date.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (NJ)

I have been paying for many years ( probably over 3-4 years ) between {$400.00} and {$500.00} per month in student loans to Great Lakes and other Federal agencies and institutions, and I owe today more than I did when I started paying. I have not missed any payments, and I called to verify why and they stated that in all those years making over {$400.00} in payments PER MONTH only ~ {$4000.00} went to the principal. They also said that I should pay more money if I want the balance to go down and offered no real advise as to how I can get this balance to go down quickly. They said that my balance goes up hundreds of dollars a month. I asked for help and their only solution was to get me to pay more. I started with ~ $ XXXX about 4 or more years ago and today I owe basically the same amount or more after thousands in payments. This amount will keep going up.
Consumer complaint received 2015-11-22
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL (OR)

XX/XX/XXXX, Synchrony Bank/JCP called our home landline since I was n't able to make a payment on my card that was due on XX/XX/XXXX. My husband answered the phone. The person he spoke with gave him my JCP credit card account information without my permission even if he knows that he is not a joint or authorized user of my credit card. As far as I know, it is unfair business practice and that they are not allowed to give my credit card information to my husband. And that they violated my privacy. They also collected a payment from him on my behalf without my knowledge. Whenever I called customer service, I have to authenticate myself on the automated system before I can get information. And I have to authenticate myself again to the agent that I 'm talking to before they can give me information to make sure that I am the account owner. What if the person who answer the phone is just pretending to be my husband, then my information got compromised.
Consumer complaint received 2017-01-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

For the last couple of years, I have been trying to release my co-signer and Navient has not allowed to do so. I 've made prepayments on the loan and they reset the timing for the consecutive payments needed to release my co-signer. They then denied my co-signer release.