davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I disputed information on my Credit Report with XXXX and Equifax. Both refuse to delete old accounts that are past the exertion dates or take of accounts like my old IRS bill that has been paid even after submitting proof. They will not allow me to dispute inaccurate information because they said I have already disputed it before even though things have changed since them, ie IRS.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (AZ)

I pay to get my report from Equifax any time i want. for the last 4 months NO report shows up. every time i call i get a different excuse for it not working. I was asked to send in a copy of my s.s. card and ID. I did that and I still can not see anything. theres nothing showing
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (MA)

On XXXX XXXX of 2015 I requested my Equifax credit file frozen. My Confirmation # was XXXX. I was told I would get a PIN # in the mail, but it never came. Without the PIN I had it temporarily unfrozen in XXXX for 10 days for XXXX Bank to look at my Credit without a PIN. I had a score of XXXX. I am looking to refinance a mortgage now, but without the PIN I can not go online to temporarily unfreeze my records. I have tried repeatedly to call Equifax , but I can not speak to a real person and could not get help online either. 
Please contact me by phone/text, email or mail to get my credit records temporarily unfrozen.
Consumer complaint received 2015-11-13
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Risecredit, LLC (OH)

I have gone on line to tried to get a loan from a company called Rise and the last time I tried to appy for a loan from this company the letter stated that fraud is on my record.I immediately called this company and was told that this information could n't be discussed over the telephone.I 'm very concerned about this situation because in 2004 MY previousdriver license information was used fraudulately in this women opening a bank account in my name.This is my email account XXXXXXXXXXXX
Consumer complaint received 2017-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (VA)

Received alert stating a derogatory account was placed on my XXXX file on XXXX XXXX 2016. The debt was to XXXX XXXX XXXX in which I do not, nor have I ever, had an account with. All my internet and cable services are provided by XXXX XXXX or XXXX. At no was any information received via email, mail or otherwise showing that this is an account I own. I tried calling the ERC but there was no answer and after waiting over 10 minutes to speak to an agent the call was terminated due to non-response.
Consumer complaint received 2016-09-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OH)

When I agreed to a payday loan from Big Picture Payday Loans, I agreed to a XXXX loan and the XXXX interest to repay it. I was only to pay XXXX total as a re-payment. The first of XXXX I paid the XXXX dollars which was the interest payment. So I tried to pay the remaining XXXX on the end of XXXX and XXXX of XXXX the had added the XXXX back on the loan, and stated that I 'm suppose to pay XXXX each month plus the XXXX that I actually received. They did n't say that when I agreed to the loan. I 'm on a fixed income so had I known they were going to do this I would n't have done it. I paid XXXX on the first of XXXX, and again the said I still owe XXXX the are not even crediting my account. I asked to speak with a supervisor and they never would transfer me I kept getting " disconnected ''. I had to close my bank account in order to stop them from causing me overdraft fees. I need some assistance on what I need to do.
Consumer complaint received 2017-03-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (CA)

I took out a loan from Big Picture Loans in the amount of {$1000.00}. I was told the finance charge would be {$350.00} for a total of {$1300.00}. I did not see the documents until after I signed. This is apparently not the case and the interest is in excess of 800 % with a bi-weekly draw on my bank account of {$350.00}. I was also told I can not stop ACH as I agreed to ACH in the agreement. If I revoke ACH, BPL states they have the right to present electronic checks to my bank.
Consumer complaint received 2016-12-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MO)

I have received numerous calls from XXXX. A XXXX search reveals that this number is a fraudulent credit agency. I have asked them to stop calling me, and I have no outstanding debt - yet they persist. I called them again today XX/XX/2016 to insist that they stop calling.
Consumer complaint received 2023-02-06
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. (TX)

This is the second time I've corrected this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

I have paid over a XXXX dollars on a XXXX dollar loan and still have XXXX payments which will make it XXXX dollars the Annual Precentage Rate is 596.6755 % the finance charge is XXXX this was not made aware to me at the time of loan submission. The Name of this company is Big Picture Loans which i have come to learn has done this to alot of other people based on my research.
Consumer complaint received 2016-08-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MA)

I left XXXX at the end of my contract, I called and verified my contract was over and I was paid in full. A few months later they called saying I owed money, I explained i did not. They turned me over to a collections agency, I explained this to them now 6 years later they filed a derogatory mark on my credit lowering it by almost XXXX points I now went from excellent credit to good credit status. I did everything I was supposed to in order to leave XXXX going as far as contacting them to make sure we were all square. To come up with some phantom bill months later for lousy {$150.00} is ridicules. It is not the {$150.00} it is the principle of lying to it 's customers because they are leaving for another company. Now six years later to have my credit ruined because of this is maddening. Any help would be great, thank you.
Consumer complaint received 2015-06-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (LA)

I am a Vet who receives XXXX XXXX XXXX. The VA pays 100 % of my treatment to hospital 's, I have XXXX services provided when I am in need of. The hospitals agree to except payment in full from the VA when payments are submitted. Outside collection agency, Enhance Recovery Company, LLC phone # XXXX XXXX
Consumer complaint received 2017-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (GA)

Enhanced Recovery Company put a negative item in collections on my report. The company never sent me anything prior to doing so. ERC stated the dept is to XXXX XXXX XXXX but I 've never had services with XXXX XXXX XXXX. After two days of calling XXXX XXXX XXXX and getting nowhere or any verified info of and acct with them, I called ERC and they stated it 's from an old XXXX account that was turned over to XXXX XXXX XXXX after they brought XXXX out. I settled the account with XXXX in XX/XX/XXXX or XX/XX/XXXX!
Consumer complaint received 2016-03-15
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MI)

I borrowed {$800.00} dollars from XXXX XXXX XXXX XXXX. I have paid {$1400.00} dollars in interest since XXXX XXXX 2016. None of this went to the loan principal. They are deducting {$280.00} from my checking account every 2 weeks. They have now switched their name to Big Picture Loans.
Consumer complaint received 2016-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NJ)

I consolidated my loans through FedLoan Servicing. I am currently on PSLF and as instructed, have been attempting to get on the lowest payment plan since approximately XX/XX/XXXX. I was originally quoted as having a monthly bill of approximately {$220.00}. However, when my first bill came in ( XX/XX/XXXX I believe ), the bill was approximately {$330.00}. I was told that I needed to switch to the revised income based repayment plan to get the monthly bill I was originally quoted. I reapplied and was given the same monthly bill amount. I was told there was an error and that I needed to reapply once more. I did so, was quoted at approximately {$220.00}, but then there was another error. For some reason, I was not switched to a different plan and my bill was still {$330.00}. This continued for months. I do n't know how many times I have reapplied. The most recent application was filed on XX/XX/XXXX. During all the period ( s ) when I awaited the determination of what new plan I would be assigned, the account was switched to standard repayment ( a bill of approximately {$500.00} per month ). I called and was informed that unless I went into forbearance, I would need to make standard repayments. I can not afford {$500.00} a month, so I had no choice. As a result of all this, my account has been in forbearance all but one month since XX/XX/XXXX. I have finally been informed that I will be switching to the pay as you earn plan and will have a bill of {$210.00} per month starting on XX/XX/XXXX. That is what I wanted back in XX/XX/XXXX when I originally applied. Meanwhile, I have been in forbearance. As such I have only been able to make one qualifying payment towards the 120 for PSLF and my overall debt has increased greatly due to these forbearances. This is just wrong, plain and simple. Even if you only consider my most recent application, it has taken four months to process. If you consider the time since my initial application, it has been ten months. Additionally, in XX/XX/XXXX I will be switching to a new job. I do not want to have to go through the same thing all over again and wait ten months!
Consumer complaint received 2016-04-05
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (NY)

I recently went to re-certify my income based repayment plan and I was denied my previous repayment plan due to my wife 's salary. They took my wife 's salary into account, but they did not take into account my wife having to repay loans. Therefore they do not recognize that she now has a job, but she also now has to repay her loans. They only took the information that would cause me to have to pay more without looking at the entire financial situation. We pay almost {$2000.00} a month in student loans between federal and private.
Consumer complaint received 2017-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

Fedloans.org does not process payments in a timely manner and continues to charge interest between the day when the payment is submitted and when the payment clears. As of today, I submitted a payment on Friday, XX/XX/XXXX. As of today, XX/XX/XXXX The payment has not cleared and the outstanding interest continues to accrue based on the loan be-payment.
Consumer complaint received 2015-07-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (WV)

SunTrust after being a customer for 20 years, with sole income for my XXXX direct deposited every month with no problems, suddenly had a fraudulent overdraft fee. I went to the local branch and they agreed to remove the fee, but 6 days later got an extended overdraft fee. Now I have XXXX more overdraft fees which would not have occurred if they followed through on their agreement. I live check to check and have alsways been careful in balancing my ledger and had sufficient funds from the very first overdraft fee. No one will abide by agreement and keep taking my money. I will not be able to pay XX/XX/XXXX bills thanks to them. I have learned that they have a patern targeting low-income individuals, particularly the elderly/disabled reordering and misrepresentation of account balances.
Consumer complaint received 2016-02-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

I am having personal difficulties with Citibank that I hope you may rectify. I have been a customer since XXXX XXXX with XXXX credit cards totaling approximately {$45000.00} in available credit. I use my Citibank credit card for all of my daily transactions. I had a breach of my card number in XXXX resulting in XXXX unauthorized transactions totaling {$4600.00}. I did not receive XXXX alert of potential fraud and I found out when I received my statement. I immediately called and had the card deactivated and initiated the claims. The card has always been in my possession. Unfortunately, the level of service that I have received has been extremely poor. I still have {$4000.00} unauthorized fees that have not been credited to my account and it has now been one month that I have been actively seeking a resolution. I have called and emailed from the web portal multiple times to at least receive provisional credit as the case is being worked and I have not received any assistance in resolving the total claim. I have only received a partial claim for transactions that happened after the statement. During multiple calls, I have discussed with various supervisors whose ID numbers I have notated, but each time I am told I will receive credit within XXXX7 days. This has not happened. On XXXX occasion, a supervisor was extremely rude to me and did not offer to assist in any way. He actually told me to stop calling. I have exhausted my attempts to resolve this matter and I am hoping that you may assist me in rectifying this situation. I have stopped using my Citicards for my daily transactions until my issue is resolved and I am in the processing of changing my auto payments conducted with these cards. I would like to mend our relationship and I thank you in advance for your assistance. 

I have called to attempt to resolve my issues with Citicards XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX.
Consumer complaint received 2015-08-10
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN ADVISORS GROUP (AR)

In XXXX 2014 I obtained a reverse mortgage on my home with AAG. I am attaching various items of correspondence detailing the exact nature of my complaint, as my daughter prepared a very comprehensive letter that specifically explains the issues in the proper chronological order. I believe that AAG may have deliberately pressured me into entering into a mortgage with a Repair Rider ( which I expressly objected to several times prior to settlement ), and then provided advice and assistance intended to steer me toward default. The agent I worked with to initiate the loan advised me repeatedly after settlement that commencement of repairs was unnecessary as he had alternative loan products that would be available to me after my new loan had been in place for six months. When the time came to move forward on those assurances, he disappeared with no further contact being possible. I then obtained an extension from AAG and explained that extreme weather conditions were preventing contractors from scheduling my repairs until after XXXX XXXX. An extension was granted until XXXX XXXX ; as I feared, circumstances beyond my control resulted in the need for another extension. I contacted AAG and was told to submit my request in writing, which I immediately did. When I called back to check the status of my request I was told by the supervisor of the Reverse Mortgage Servicing Department that she did not submit it to HUD for a decision. Her response to my questioning of this was that she did n't need to do so because she knew they would deny it. I feel this company quite deliberately acted in a manner intended to lead to my breaking the terms of the settlement contract, resulting in default on the mortgage.
Consumer complaint received 2016-06-12
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (GA)

I have been at SunTrust since 2007 and an employee XXXX with that company. I just received my XXXX to further my career in finance. I have been in banking over 28 years. Unbeknownst to me, my daughter gave her bankcard to someone and they deposited a check to our joint account and was able to withdraw every dime from the check seven hours after the check was deposited in an ATM. The check was for {$2400.00}. I was told the funds were made available due to our relationship with the bank. All accounts that had my name on it were restrained to debits pending investigation including my son 's account. 
I have been given the run around. I call the fraud department ( which is outsourced to XXXX ) and am told to go to my local branch. I go to my local branch and told to contact fraud. I ask if I could speak with an investigator I am told no. They can not call the investigator just contact that person through the case. There is a disconnect here and it is not fair to victims like me and my son. I did a police report and the tape was pulled at XXXX where the criminal purchased a money order for {$1700.00} which showed who purchased the money order and it was not me or my daughter. The fraud department said they have 10 business days to investigate the case. This is unacceptable. I am demanding me and my son 's funds released to us immediately. Also I want my name cleared of any fraud due to this account. I did an affidavit with SunTrust based on what my daughter XXXX XXXX told me happened but she has lied and changed her story several times. I need this resolved as soon as possible as this caused a financial hardship on my son XXXX XXXX and XXXX. The thing that frustrates me when I myself make purchases that are out of character Suntrust would freeze my card. I tried to purchase a pair of shoes at XXXX XXXX for {$80.00} they blocked my card but yet you let a {$2400.00} deposit go into a minors account and let funds withdrawn at XXXX XXXX less than a day the funds were deposited and that does not raise red flags. I want my money back from SunTrust immediately by me going to the branch and close the accounts and get me and my sons funds and fraud to removed under my name as my career is in finance and can hinder me getting a job in finance elsewhere. There should be someone locally in the United States at SunTrust that I could talk to in reference to this account.
Consumer complaint received 2017-02-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AMCOL Systems, Inc. (TX)

I am being reported to credit agencies for a medical debt. I contacted AMCOL systems at XXXX and requested verification of debt. what I received was a letter on AMCOL letter head saying I owe {$1800.00} on acct XXXX and {$110.00} on acct XXXX. it also included a bill that says patient balance due is XXXX. yet I am still being reported. If I owe the bill I will pay it. but I do not believe this is correct.
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

Experian refuses to allow me to dispute inaccurate information on my credit report. This is violating my right to dispute inaccurate information according to the Fair Credit Report Act. Any information regarding my credit report claims I can not dispute this because I already have!! Yet the information is inaccurate. My name is XXXX XXXX not XXXX XXXX, a XXXX bank account has inaccurate information : XXXX BANKAddress : XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Account XXXX .... 


I have a right to dispute inaccurate information!!!
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

Several disputes have been file with Experian but they continue to show inaccurate information. They show Wage Earner plan with XXXX XXXX XXXX and XXXX XXXX. I sent documents showing the hose sold and they continue to report information that is not accurate. I have a Chapter XXXX voluntary dismissal. I won a XXXX case and withdrew the filing. they hire a third party document researcher who sans documents and eliminates the facts. This is wrong and they refuse to correct the issue,
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (UT)

The following debt/accounts are student loans that were previously managed by XXXX XXXX. My current student loans are being managed by XXXX XXXX and they are in good standing. I deferred my student loans when they were managed by XXXX XXXX, however, they are being shown as negative accounts in my Experian Credit File. XXXX and XXXX have deleted this information from their profile after disputing because XXXX XXXX was supposed to have them removed. This is having a negative impact on my credit and need them removed or be in the good standing category on my credit file DPT ED/XXXX Account Number : XXXX .... Outcome : Updated DPT ED/XXXX Account Number : XXXX .... Outcome : Updated DEPT OF EDUCATION/XXXX Account Number : XXXX .... Outcome : Updated DEPT OF EDUCATION/XXXX Account Number : XXXX .... Outcome : Updated XXXX XXXX XXXX Account Number : XXXX .... Outcome : Updated XXXX XXXX XXXX Account Number : XXXX .... Outcome : Updated DEPT OF ED/NAVIENT Account Number : XXXX .... Outcome : Updated XXXX XXXX Account Number : XXXX .... Outcome : XXXX XXXX XXXX Account Number : XXXX .... Outcome : Updated
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have previously disputed this incorrect collection account from my credit file from XXXX XXXX XXXX because this was an account that I opened myself and used for a small period of time, but the card was stolen. I reported the card stolen to the original creditor and continued to pay towards the amount that I owed after I was told the other charges would be removed, they never were. The account has previously been removed from XXXX for the same reason on XXXX XXXX, 2016.