davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (MT)

Between the date of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX My Equifax credit score dropped XXXX points. When I called the bureau they did not clearly explain how my score had dropped XXXX points. I had only XXXX 30 day late penalty that was new between the report that was pulled onXX/XX/XXXX and XXXX/XXXX/XXXX. The Bank I was applying for the loan was baffled by the catastrophic drop. I am trying to get a refinance cash out loan on my house to pay off all of my debt and only have a mortgage payment. This loan would help free up some money for savings and then I would not have to live paycheck to pay check. The reason I am filling this complaint is without a credit score of XXXX the bank can not move forward with the loan. I was frustrated with the credit company because they could not explain clearly why the XXXX negative things on my credit history would cause a XXXX point drop. I asked how many points each of the negative reports were worth and they could not give me an answer. Aside from the 30 day late payment on a credit card I have had perfect payment history. I believe that my score has been wrongly adjusted between these dates and needs to be looked at and readjusted. I am frustrated and confused and this is significantly impacting my life and financial stability. Thank you for your time. 
XXXX XXXX
Consumer complaint received 2016-05-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I received a promo in mail from Citibank to open a citi gold account make two bill-pays every month for 2 months and i will receive XXXX citi thank you points. 
after 3 months i received the points but before i had a chance to use them they closed my account and removed the points
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

On my Equifax Credit Report, a Chapter XXXXBankruptcy shows active eff XX/XX/XXXX but also Dismissed/Closed. I have supplied documentation of a CERTIFIED COURT APPOINTED GUARDIANSHIP eff XX/XX/XXXX. I have advised the Bureau that under the Guardianship I was advised I am NOT able to engage into any contracts NOT even to obtain an Attorney, in which a Bankruptcy would need. I know this for a fact since I was a victim of Id Theft in under this same time frame and attempted to hire an attorney and the County Clerk advise the Attorney at the time that I was not able to hire any Attorney due to the Court Order for the Guardianship at that time. I have been obtain legal information stating that under the Guardianship an individual is protected under the Laws and all contract are null and void. If this is the case, why am I being told by Equifax that the Chapter XXXX Bankruptcy must remain on my Credit Report for 10 YEARS? I have supplied all supporting documentation and I feel as though this is damaging information for an individual to have remain on a credit report if the Courts Dismissed and Closed the whole case with XXXX ( {$0.00} ) amount claimed. There no longer is a Guardianship since it was release through the court in XX/XX/XXXX. I am asking for a CLEAR picture of a true and accurate report and reflected credit score. I am asking for assistance with the reconsideration and removal of this damaging derogatory information from my credit report. If a Guardianship is there to protect an individual why is this not being honored. I believe that since it has already been 7 yrs too long and it definitely should be removed.
Consumer complaint received 2021-12-22
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. (MD)

I recently got a copy of my credit report and I noticed some unauthorized accounts and inquiries. I have since then submitted to documentation required to have these accounts removed provided to me by the company 's fraud department, yet the accounts are still on my report. I have also notice inconsistences in the accounts reporting and have attached the reports. I would like these accounts removed immediately so that i can continue my home buying process.
Consumer complaint received 2020-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (OH)

Back around XX/XX/XXXX I deposited a check for XXXX roughly and on XX/XX/XXXX was charged a XXXX OD fee when it showed I had money in the account to pay for that, and also here in the last 2 days I have had problems logging on to transfer monies from account to cover any transactions from one account to another and they refuse to help
Consumer complaint received 2015-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

i have credit card with XXXX XXXX all ready so some one else use my identity applying for credit card to XXXX XXXX about 3 or 4 times so i all ready have credit card with them ther is no reson to applying again and again so the report i find out on my credit report is not mine this report i find out on EQUIFAX CREDIT REPORT
Consumer complaint received 2016-08-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TN)

I am having a problem with Equifax Credit Scoring. My Equifax score has a range of over XXXX points difference depending XXXX where the score is pulled. When I pull it from various credit monitoring sites I get a low of about XXXX ranging up into the low XXXX 's. But when XXXX Bank pulls it for a XXXX heat pump loan they are getting XXXX. I talked with Equifax and they can not explain it. XXXX says they have to use Equifax and that I need to get resolution from Equifax and XXXX Bank. XXXX wo n't talk about it and Equifax ca n't explain it. I need my heat pump replaced before winter and I ca n't get anyone to figure this out and get a true Equifax score. Since Equifax ca n't explain how the score could be so different when pulled from different sites, it may be that the problem is with XXXX Bank and their use of the score. XXXX requires use of Equifax and it looks like XXXX may be manipulating the score to make it be below the XXXX minimum of XXXX
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NC)

Citibank had a promotion to get a credit card and if in the first months you use more the {$3000.00} they will give you XXXX miles. I called to verify that I had some of the miles because I spend over {$2000.00} and had over a {$1000.00} pending which it will be equivalent to {$3000.00}. When I called the lady that answer my phone call was not friendly at all she was talking very loud and did n't honor the promotion and said that even if I spent {$3000.00} I will not get the miles, I asked to speak to the supervisor and again he was talking very loud, all this conversations were in XXXX so they think that just because I asked to speak in spanish they think that you need them to speak louder, that is very frustrating. So this supervisor called XXXX said again that " no I will not get the XXXX miles '' then I said why is Citibank promoting something that is not true! Then he said " Oh yes you Will Get the XXXX miles by XX/XX/XXXX '', because I had spend over {$3000.00}. Then I asked for some sort of confirmation and he said that it was not needed. I called last night XXXX XXXX and spoke to a lady that talked super loud and she said that I was NOT going to get the XXXX miles. I can not believe that they have such a poor customer service and more severe false advertisement. Please help me with this situation. Thank you for your attention in this matter. 

XXXX
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CO)

I asked Equifax if I could get the same availability of email that they give the reporting agency. The credit reporting agencies use " electronic '' communication with the reporting agency, but WILL NOT use : electronic " communication '' with the person being reported on. It is not within company policy to allow that. Consumers have to use the Postal System to defend themselves and they have no idea if the information is ever received. Equifax also does no investigation, they simply " electronically '' send a dispute statement to the reporting agency, wait for their reply, and send the consumer a notice that the reporting agency reaffirms their initial report. Instead of requiring proof from the reporting agency Equifax told me to call the agency myself to straighten the matter out. I would like to see the same level of benefit between the reporting agency and the individual being reported on. My dispute took XXXX months and XXXX different case numbers ( per call ) for the same dispute to finally get resolved by ME. Equifax still had it under investigation until I called to verify the item was removed as I had correspondence from the BBB between them and the reporting agency that they would drop the action and notify the credit agencies. I asked for a credit report showing that ... another case file was opened to send me the credit report. This was removed because the collection agency was rereporting old debt that was passed the statue of limitations. Equifax was told on each phone call, but it ultimately took the BBB to resolve the issue. Equifax still would not let me " attach '' a document as you have allowed here.
Consumer complaint received 2015-09-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

My wife and I currently have a XXXX and XXXX mortgage on our home. The XXXX mortgage is with XXXX and the XXXX with Suntrust Bank, In XXXX my wife file for chapter XXXX and it was granted. We immediately contacted the lenders to ask for assistance, XXXX was a challenge but your agency assisted us and we were able to obtain a loan modification, we are current with XXXX and have no late payments. The second lender Suntrust was more difficult as they only offered to transfer the entire balance to interest only. for the past 3 years the interest only payment was {$110.00} and we would pay {$200.00} monthly. Today XXXX/XXXX/XXXX we received the monthly statement and the payment has increased to {$400.00}, W e received no warning to this change. We are asking for the agency 's assistance to investigate this sudden change and if Suntrust would look into another solution for us. We struggle each month to make payments but have been making them and on time. I am not computer savy but my wife did save the emails from Suntrust Bank from XXXX to XXXX XXXX - loan officer NML # XXXX that requested hardship notification. Suntrust in XXXX/XXXX/XXXX made XXXX XXXX from the Equity line Modification division the final point of contact sending an email stating that the entire balance was transferred to INTEREST ONLY OPTION.. That email was received on XXXX/XXXX/XXXX. We have even attempted to refinance the mortgages to XXXX lender XXXX since the have the primary but after speaking to a loan officer we were told that due to my wife 's XXXX bankruptcy the loan was NOT REAFFIRMED. The bankruptcy attorney told us that a REAFFIRMATION was not necessary 6 years later and that XXXX was not interested in doing the refinance that would have consolidated the debt and made the monthly payment still within our budget. The SUNTRUST account no. is XXXX. The XXXX account no, is XXXX, We have received Dodd Frank packets from XXXX at least XXXX times and have completed and sent the documents XXXX times, We have never received those documents from Suntrust nor do we know that they should be in compliance with the act. all we want is to keep our home and with payments that we can keep managing. The best contact number for us is XXXX and the email is XXXXXXXXXXXX. We look forward to any helpful information/ assistance the agency can provide. Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2015-08-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

I closed a checking and savings account at First Merit Bank in Ohio. I had an automatic payment setup from my credit card to use the account that I did not remember to update to my new bank account. I received an overdraft fee because the balance was {$0.00} and the transaction was not declined even though the account was closed 20 days prior to the incident.
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (TX)

CITI BANK tried to collect money ( XXXX XXXX and twice on XXXX XXXX ) owed them, saying it was past due, when I had never received a bill. I refused and ujpon receipt of the bill, discovered it was not due until XXXX XXXX.
Consumer complaint received 2016-06-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

I applied for Citigold XX/XX/XXXX and was told I would receive XXXX XXXX bonus miles after I met some purchasing requirements. So I met the requirements in XX/XX/XXXX, and was told miles would post by XX/XX/XXXX. XXXX did n't post, investigation started was told I was n't targeted. I had Citi open another investigation, but it was denied again. I think it is not fair, since Citi should tell me the result when I open the account. Thanks for your help.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I had a XXXX XXXX Account opened in XXXX and the last time used my account before I close it was XXXX XXXX. My account was paid in full at the XXXX XXXX in VA in full. XXXX reported my account to the credit reporting agency as paid in full. How I check out my credit reports in XXXX of this year and XXXX have my report showing negative information. I called XXXX XXXX and they stated what they report is correct and that 's a false statement. Someone please help me with this case. I will take a lie detector test to show you all that my statement is true.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (GA)

Chase decreased my credit line on my SLATE card via an email in which I could not submit a reply or dispute to. I have NEVER been late paying you AND ALWAYS pay the minimum payment. I have money in my CHASE CHECKING and BANKING alone to pay the cards in full and it is insulting this was done to me. Furthermore, I did not authorize you to check my credit. 

Increase my credit line back where it was.
Consumer complaint received 2016-10-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NJ)

I am a single mother that went to college and got a degree. I am unable to afford the payments of my Private Loan which is through XXXX but American Education Services is the lender ( AES ). I have been in contact with them several times that the {$250.00} a month payment towards my private loan is difficult for me financially as I am a single mother. They have told me several times that they do not have any type way to help lower my payments. I was told no process is in place for income-driven repayment plans or any other type of payment plans. XX/XX/2015 I got accepted into XXXX University to pursue my XXXX studies then enroll into a XXXX. I had to quit school because AES told me that I had to repay my loan and I had exhausted all forbearances and deferments. I told them that I am XXXX to work towards becoming a XXXX and I would be in school for some years. I was informed that even when I am enrolled in XXXX I will have to make payments towards the loan. I had to quit school and I am a single mother who can not pay both a private loan and other loans on my salary. I would like to go back to school forcing me to work part-time, but it is impossible since they will not defer the private loan payments or even offer income-driven repayment.
Consumer complaint received 2017-02-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: National Enterprise Systems, Inc. (MI)

The company is National Enterprise Systems not ( XXXX ) but they may be affiliated together. This is for a private loan payment. The reason they are calling me is to find out when I 'm going to make the next payment and that 's fine but I do n't need them calling me 6 to 8 times a day. Meaning, when they call me they will leave a message sometimes then wait a few minutes and call right back. Like back to back. This is excessive and I do n't need them calling me that many times a day because they need a answer. Please make them stop calling me 6 to 8 times a day.
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I spoke to XXXX of green tree representatives on XXXX XXXX XXXX, 2014 about the annual escrow acct disclosure statement in reference to the PMI on my loan I recieved. According to my original documents with XXXX my PMI should be {$120.00}. However the loan was sold to Green tree. About XXXX months ago I noticed that Green tree is deducting out my escrow acct {$220.00} which i never agree to pay to Green tree, I have the supporting documents of what i signed in referance to this loan and the terms of the PMI. I would like this to be taken care of as soon as possible, as it stresses me out to think that Green tree is XXXX me off. I have asked and i expect a refund for all this time that i have been paying the wrong amount. I called Green tree a handful of times about this issue i have also fax them a letter showing my supporting documents and dont believe that now after more than 60 days of calling, and writing to them and this has still not been taken care of. It is Now XXXX XXXX which is more than enough time since this was brought their attention! This is XXXX more attemp to try and get a honest and fair response. I dont believe green tree is handleing this in a professional manner and I am very disappointed at not getting any responce at all about this matter. In all honesty it is looking to me that green tree has made a mistake here and is not ready to fix it and compensate me because if its was something i did owe on PMI they would have brought proof to me quickly. I would appriciate any kind of attempt to fix this
Consumer complaint received 2016-10-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MA)

I co-signed for XXXX private student loans ( XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank ) for my son to complete his XXXX degree. After XXXX when he conducted the consolidation & promissory note application via phone with AES, he asked to have all XXXX ( XXXX federal & XXXX private ) of his student loans consolidated. He was informed the private student loans could not be consolidated with the federal loans because it was against federal regulations. After approximately 6 months or so, we realized AES had consolidated all XXXX loans into my son 's XXXX consolidated federal loan. He was getting 1 monthly billing statement for all XXXX loans with XXXX account number, only. As co-signer, I was concerned because it was impossible to distinguish how the private loans were being paid as it was an " all or none '' payment situation. I was also concerned because I knew the private loans were not as flexible as the federal loans and could go into default much quicker. When we informed AES of its error & asked them to separate the XXXX private student loans from the federal, AES said it would look into. After months of no resolution & my son 's monthly phone calls to AES to correct this mistake, my son demanded AES correct the error. The very next month, AES placed the XXXX private student loans into default. We were shocked & dismayed because my son was in monthly phone contact with AES to monitor the account. There was never any mention of the XXXX private loans facing default. Now my son & I are being sued by National Collegiate Student Loan Trust ( NCLST ) for the original loan amounts plus interest ( about ( $ XXXX ). However, we have never ceased making monthly payments to his XXXX federal student loan account which is the same account number as the XXXX private student loans ( because AES consolidated them with the federal student loans ). As proof, my son 's credit report states his XXXX consolidated federal student loan status is " Current ; Paid or Paying as Agreed ''. My son 's credit report also shows the same account number for the federal loans as my credit report shows for the private loans. Finally, what concerns me most is my credit report states the status of the XXXX defaulted private student loans as " AES filed claim with the government ''. These XXXX loans are from private lending institutions and AES sent confirmation to me that the " Guarantor '' reimbursed the private lenders for the XXXX private student loans after AES forced the loans into default. I 'm concerned that the lenders were ALSO paid by the government. When I called & spoke to a Federal Ombudsman, I was informed that in no way should AES have filed a claim with the government for XXXX private student loans. Now XXXX is suing me & my son. They are attempting to get triple payment.