davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

At present Navient shows that I have ( 2 ) closed loans, dated XX/XX/XXXX, that are in a " Derogatory '' status, which is directly affecting my credit score and ability to secure loans, rent a house, etc..and has been for 15 years. The ( 2 ) loans affiliated with Navient were transfered/sold to XXXX in XX/XX/XXXX, and have been, and are in " good '' standing. The reference to the ( 2 ) Navient loans in XXXX, XXXX and XXXX are over " 15 '' years old and incorrectly showing a " Derogatory '' status. I have requested Navient to update and/or remove this information all together, in writting as requested on numerous occasions. Providing all the neccesary references and IDs. I have even sent ( 2 ) sets of certified letters to Navient asking the same, and have received no responses. Navient is affecting every aspect of my life by misleading credit lendors that I have a derogetory loan with them, when I do not. This has affected 15 years of my life, and needs to be updated now.
Consumer complaint received 2017-07-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NJ)

Unfortunately, my vocation in life did not come with strong financial guarantees. I work for a XXXX XXXX as a XXXX XXXXXXXX for XXXX XXXX XXXX XXXX. While being mom to my work kids, I am also a single mother of XXXX. I am grateful for the education I received and work that I do but I have always struggled with my student loans. This has led to default, and recovery, and default again. Every time I get into a decent situation like a low repayment rehabilitation agreement, the regular payments that follow become too much. Finally, I found my way to income driven repayment plans and public service loan forgiveness. This looked like it would lead to a reasonable future where I could handle this burden only to find out that the window to that future closed on XX/XX/XXXX. Back in XX/XX/XXXX I had begun researching these options and had put in a request for my loans to go on hold while I applied for consolidation. However, I had been in so many plans that turned out poorly, I had wanted to consult with a professional beforehand to make sure the option I had chosen would not come with dire financial consequences down the road. At this time I was informed that my loans were defaulted, that I would not be able to consolidate, and I could not even get into a rehabilitation agreement if I wanted.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: WELLS FARGO & COMPANY (UT)

I purchased two XXXX  Gift cards, one in the amount of {$300.00} and the other for {$150.00}. I did not use cards immediately. When I tried to use the cards I was told there was no value in the balance. I went to Wells Fargo in XX/XX/XXXX and asked them why the confiscated my cards. They made a call to XXXX who stated they had " Unloaded Value to Customer Service Application '' what ever that is. On the first card # XXXX XXXX XXXX XXXX they claimed they had mailed a check. I told them I received no check, to which they stated I cashed it. I requested proof but XXXX declined. On the second card, # XXXX XXXX XXXX XXXX, they said they would mail a check, however again I received no check. XXXX  confiscated and stole this money from me because I did not use them. However the expiration date on card # XXXX XXXX XXXX XXXX XXXX is XX/XX/XXXX and the expiration date on card # XXXX XXXX XXXX XXXX is XX/XX/XXXX
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

XXXX   XXXX   XXXX   XXXX  my former employer have reported to Equifax a  XXXX  alert & reported identity theft. They 've amended & restated my tax returns from  XXXX  & made themselves my conservator. The  XXXX   XXXX  have made copies of my birth certificate, social security card & driver 's license. They 've filed my  XXXX  tax return & added the refund to an account I once had with  XXXX  Bank in  XXXX . In  XXXX  I filed Bankruptcy before I knew my credit had been changed. Equifax shows a car purchased in  XXXX , an income. I do n't have an income, they 've taken my home. I am homeless, I do n't have a credit card or a bank card.
Consumer complaint received 2017-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

In XXXX, I received an unsolicited, pre-formatted application for student loan forgiveness ( based on XXXX ), from my student loans third party servicer. The form requested that I affix my signature to it if I wanted to have my student loan forgiven. The pre-printed statement on the application stated that : they had received information from the Social Security Administration indicating that I was XXXX. The letter stated that I DID NOT NEED a doctors verification of my condition because my condition had already been verified. I signed the letter but, clearly, informed the loan servicer that I still had two more semesters to complete before I had no further need for requesting additional loan funds. After a week, I received an email stating that my application for student loan forgiveness had been denied because I had taken out additional student loans in violation of some undisclosed rule which was based on some undisclosed end-date after which XXXX applicants were not allowed to apply for any more student loans. On a follow-up inquiry, I found that the loan servicers had, somehow, obtained an outdated address and financial information on me ( over 25 years old ) even though the address on my actual student loan documentation is current. This makes me believe that the third-party servicers are data-mining XXXX student profiles to bait and then disqualify loan forgiveness applicants so that the servicer can then charge the Department of Education additional fees for servicing a second-tier application process for loan forgiveness based on XXXX. When I contacted the loan servicer, on 3 subsequent phone calls, the customer contact representatives could not provide an appeal form on the original application and did not understand the significance of an application date as being the true end date.
Consumer complaint received 2016-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2017-06-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRINITY HOPE ASSOCIATES (MD)

I received a letter from Trinity Hope Associates, located at  XXXX .  XXXX   XXXX ,  XXXX , NC  XXXX  on  XXXX   XXXX ,  XXXX  regarding a medical debt incurred by  XXXX   XXXX   XXXX  located at  XXXX .  XXXX   XXXX ,  XXXX   XXXX , MD that I had been making monthly payments of {$50.00} up until  XXXX   XXXX ,  XXXX  just after receiving a letter stating that I owed {$93.00}.   I sent a letter to Trinity Hope Associates on  XXXX   XXXX ,  XXXX  disputing the debt with copies of checks that were cashed and written to   XXXX   XXXX   XXXX   for the last 3 month 's of {$50.00} payments for the months of  XXXX  through  XXXX  showing payments were made consistently and requesting a full accounting from them since it was apparent that my monthly checks were not credited properly and letting them know that my last check in  XXXX  should have paid off the account. I let them know of my rights under FDCPA.   I never heard another word from  Trinity  until I received a call from  XXXX  credit protection services letting me know tha t Trinity Hope rep orted negative information on  XXXX   XXXX ,  XXXX .   My husband contact ed Trinity Hope and left 2  messages that they have 10 days to remove the negative information from my credit report. He finally received a phone call from them on  XXXX   XXXX ,  XXXX  from  XXXX  at Trinity Hope who admitted receiving the letter of dispute on  XXXX   XXXX ,  XXXX , but claimed that  XXXX   XXXX   XXXX  still says that the {$93.00} was still owed. He explained that monthly payments of {$50.00} per month were being paid and asked why I was turned over to collections. She basically said that was n't her issue that I needed to prove that I paid {$93.00}. She did not care that monthly payments were being made on the account.   I would appreciate any assistance that you can help in having the negative information removed from my credit report.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

My Credit Card was involved in a balance transfer check fraud transaction, where the fraudster got ahold of the balance transfer check and made multiple transactions using my account. I notified the bank of it and they were able to take off the balance transfer charges and most of the associated fees. One of the balance transfer fees was not reversed and I called the Security Investigator and general customer service rep multiple times in regards the balance transfer fee still being on my credit card. So far, they have not removed it.
Consumer complaint received 2016-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2017-06-27
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: Experian Information Solutions Inc. (SC)

I have recently been having trouble with disputing hard credit inquiries that I have discovered on my credit reports. Specifically with Equifax I feel that they are not really abiding by the Fair Credit Reporting Act because I have submitted several disputes and I keep getting the general response " Inquiries are a factual record of file access .... '' They have not initiated any kind of investigation into the fact that several companies have pulled my credit reports and I can not recall giving them the authorization to do so. I have filed disputes on the following dates : XXXX-17, XXXX-17,XXXX-17, XXXX-17, and XXXX-17 just to name a few and I keep getting the same response explaining to me what an inquiry is. I have also filed disputes with XXXX & Experian to get all unfamiliar inquiries removed and have not been able to get any results. As a data furnisher I believe it is the responsibility of the Credit Bureaus to be sure that they are reporting true information and if it is disputed it should be properly investigated. If information can not be verified then it should be deleted. If for some reason they believe that these inquiries were initiated by me I would like to be provided with proof. I have also contacted the creditors before I ever filed a dispute with the credit bureaus and they advised that I dispute the inquiries with the major bureaus.
Consumer complaint received 2016-07-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I had signed up for a XXXX under a promotion that was supposed to reward me with XXXX AAdvantage miles after spending {$1000.00} in debit purchases and 2 consecutive bill pays. I had signed up in XXXX 2016 and received the account in XXXX. At the beginning of the process, I called Citi to make sure everything was straight with the promotional details, and was assured that when I completed the requirements, the miles would end up in my account. I promptly made the required debit purchases and bill payments and called Citi again in XXXX 2016 to ask when the miles would post. I was told by one Citi representative that the miles would post as soon as the statement period closes in XXXX. An online representative told me to wait until the end of the month. When that happened, I checked and the miles had n't posted. I spoke to a representative online and was told it would take 90 days for the miles to process and I should check back in XXXX or XXXX. That answer was very uncomfortable to me because I had planned to use the miles for a trip in XXXX and I needed to book tickets 2 months in advance. So I called back again and was told that the miles would appear on XXXX XXXX. When I checked on XXXX XXXX, the miles still have n't posted. When I called back again, the representative could n't figure out why the miles had n't posted and decided to open up an investigation on my account that would take a few weeks to complete. On XXXX XXXX, I received an email saying that my account was n't eligible for the promotion, which contradicts everything I was told by Citi since I signed up in XXXX. I followed Citi 's instructions as they were given to me, and believed the representatives as they told me the miles were coming. 
Also, I held my account open much longer than I would have if I knew my miles were n't coming, and paid the monthly fees to keep the account open. When I was told my account was going to be investigated, I presumed I was n't going to be charged the monthly fee for the account, and I did n't use the account at all during the time period. I did n't want to fuss with an account that 's being investigated and I do n't think I deserved to be charged for the account during that month. However, Citi still charged me for that month and it led to a {$38.00} overdraft fee that I do n't believe I deserve. I believe I was wrongly misled during the signup of the account, throughout the account 's lifespan, and charged monthly fees and overdraft fees for falling into their deception. If I had waited until XXXX like one representative told me, I would have been charged a lot more in fees, miss out on my XXXX trip, and get XXXX miles in reward for my effort and sacrifice. This is obviously unacceptable.
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX I and have had no response from XXXX ; XXXX ; Equifax or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Consumer complaint received 2016-07-16
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: R.M. Galicia, Inc. (CA)

Our company changed insurance in XXXX of XXXX. I received vision services at XXXX XXXX hospital in XXXX XXXX in early XXXX. The bills were apparently sent to my office, not home as indicated. Typically, it takes several months for insurance companies to determine the amount they will pay and the amount owed by the insured and then they will bill the insured. 2 months later a collection agency, Progressive Management Systems in XXXX XXXX, CA contacted my employer and told them of the issue but did not call me and I was n't alert at the time. I found out about the contact later after receiving a subsequent contact from the agency. I immediately called the agency and they agreed to remove the delinquency and note I was not at fault and in fact just became aware of the outstanding nature of the bill. I was concerned about their un professional behavior over the phone, talked with a supervisor but was still worried about their tactics. I then called XXXX and immediately paid the bill and they advised that they would delete the delinquency. As far as i know this has not been done.
Consumer complaint received 2016-07-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (CA)

After paying my bill on time for over a year CareCredit ( Synchrony Bank ) applied {$700.00} in interest because I had not paid the entire balance within a certain amount of time. This is such a awful way to do business. I feel it was a sneak attack. When I called the manger XXXX at CareCredit was rude and talked to me like I was stupid. He told me it was the terms of my contract and I should have read the contact before agreeing to it. When a person is sick with pain and in need of CARE the last thing they are thinking about is a contract. That was my situation when I initially signed up for this service. Why not just get the money up front, Why hit someone after the fact with deferred interest. It is just cruel and a deceptive scheme hoping people wo n't read the fine print. They are predators. I will tell everyone I know Not to do business with such uncaring greedy people.
Consumer complaint received 2016-07-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (PA)

On XXXX XXXX of 2016, I was in the process of moving my savings from my Chase Bank account to my fiancee 's bank account. Around that time we were in the midst of moving so we needed the money in order to put a down payment on the apartment and buy necessities. Everything was going fine, until XXXX XXXX of 2016 Chase froze my account causing the XXXX {$1500.00} checks to no longer be valid. This resulted in my fiancee 's account being in negative balance for {$4000.00} ( late charges were applied at her bank ). I did n't receive no call or email in stating why my account was frozen so I went to the XXXX XXXX location in XXXX XXXX. I proceeded to talk to one of the representatives and she told me that a investigation will be done and I will receive my money in 72 hours. I explained to her my situation that they froze our money and we were currently residing in hotels and that was our major source of money. The representative said she really could n't do anything more for me. I went to the branch three days later because my account still did n't have any of my money in it. It was just a bunch of overage charges. I consulted another bank representative and she assured me that I was not at fault and all my overages will be voided. I asked her when will my money be available. She told me it will take 72 hours. At this point, I 'm frustrated and I have been resorting to my credit card in order to survive. I told the representative that currently we are at a bind and we are depending on this money. She then told me they found the hacker and it was a person in Maine hacking into the account and she assured me that I will have my money and that I needed to open up a new account to do so. I opened a new account and waited three days to hear anything back from them about my money. I went into the bank and they changed their story blaming me and telling me I was the reason my account was frozen. Which is ridiculous, I do n't know anyone in Maine and no one has access to my account but me and my fiancee. I 'm very frustrated because now my fiancee 's bank account will be going to collects in 2 days unless we get some money back, This resulted in my using my credit card in order to survive. Chase 's stupid way of handling customers caused me to max out my credit card to XXXX. I do n't want my fiancees credit to be ruined by chase.
Consumer complaint received 2016-07-17
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (CA)

Since U.S. Bank submitted their side, of what is assumed, on their behalf, to be their reason of closure to my accounts. First issue I 'm addressing is why my ATM and Check Card Overdraft Coverage Confirmation was and still is being disregarded? Second issue is why my bank accounts were over drafted that high of an amount when I believe since I never had a linked credit card to my account to cover such an amount without causing U.S. Bank to alert me that my savings is insufficient to cover. Money will never be secure at that bank with personal that allows them to blame customers for their faulty technical technicalities, our right as customers, is they except blame along with who was n't qualified to be a bank representative. Third issue is notice of closure form had a date XX/XX/XXXX with amount owed {$480.00} to my savings account. XXXX charge off {$530.00} as of XX/XX/XXXX. They had about thirty or more days from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to investigate their at fault and be free of clerical errors reporting to XXXX. My accounts had fluctuating balances of {$5000.00} to {$10000.00} that past year of XX/XX/XXXX. I believe with fees and confusion, there is a balance owed to me. Issue number four is U.S. Bank did not care to find where my deposits disappeared too, only that I was supposed except their frivolous accusations as just a person in general to their concern, which felt violating in accord with my civil rights.
Consumer complaint received 2016-07-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Data-Central, LLC (MD)

checking account card was stolen. I issued to close account shortly after unauthorized activity on account. Company was sold to new party .... years later I have an unpaid balance Iam unfamiliar with, that 's now in collections.