davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-01
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX has re-aged a debt on my credit reports. On XX/XX/XXXX, I received a copy of my report from Equifax with a " date of first delinquency '' reported as XX/XX/XXXX. Yet, the debt remained after the 7 years were up. After several direct disputes and disputes with the credit bureaus, the account was deleted from all three of my credit reports. 
Recently ( and without notice ), XXXX XXXX XXXX XXXX re-aged the debt and added the account back to my Equifax credit report. I disputed the account with a copy of my original Equifax report dated XXXX XXXX as proof that the previously reported date of first delinquency was XX/XX/XXXX. This would mean that this debt is now obsolete. Yet, Equifax responded with an updated copy of my report dated XX/XX/XXXX which shows this company has changed the date of first delinquency to XX/XX/XXXX which is incorrect! 
This company is deliberately violating the Fair Credit and Reporting Act in an effort to keep this negative account on my credit reports. 
I have attached copies my credit reports from XX/XX/XXXX and XX/XX/XXXX as proof that the XXXX XXXX XXXX XXXX has re-aged this obsolete debt. 
If this obsolete debt is not deleted from my credit reports, I will contact the FTC and my attorney general due to multiple violations of the law.
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

Ever since the renewal date of my XXXX XXXX Card in XX/XX/2018, I've lost all benefits that's advertised on the card including Free first checked bag, 10 % points back rebate, and other benefits. I've contacted Barclays by phone and secured message MULTIPLE TIMES in the past three months and they recognize the linkage error but blame it on XXXX. I've also spoken with XXXX even going as far as doing a conference call with Barclays together, and every time they said they'll fix it nothing has been done. Basically Barclays is supposed to pass the information to XXXX but Barclays never updated the system for me. I've lost many points back rebate due to this and had to pay baggage fee multiple times with me and my companions.
Consumer complaint received 2019-06-01
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I do n't understand why I keep having problem with this company and my credit report. On XXXX/XXXX/XXXX XXXX bank did another inquiry on my account. I have a new inquiry now on XXXX and Equifax. I really with this company leave me alone.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (TX)

Loancare, an entity of XXXX XXXX, an entity of XXXX XXXX all of whom are predatory lenders. 

Closed on mortgage XX/XX/2020. 

Received escrow check without interest payment, violation of R.I. General Laws 19-9-2. 

Never filed a satisfaction of mortgage with recorder of deeds in XXXX, RI.
Consumer complaint received 2021-04-28
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: VW Credit, Inc (TX)

Audi XXXX XXXX have not paid the equity coming from the trade in, after one month of the lease of a new car. In addition to the previous, they have not delivered the license plates paid, and was forced to buy the window film and nitrogen for the tires.
Consumer complaint received 2021-08-08
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 — Problem with personal statement of dispute
Company: Tate and Kirlin Assoc (AR)

I am disputing about 5 credit accounts that I found out I had on XXXX I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. This dispute is with Tate & Kirlin Associates , Inc . 
The client of them is XXXX XXXX, XXXX. Original creditor was XXXX. For the amount of XXXX. I have been disputing through XXXX but nothing happens but them saying I am liable. Well, no I am not. Someone else did this. And they always used my phone too. How ignorant I was then. I am definitely treating people with suspicious nature now. Can't trust anyone. Please help me clear my credit score up for these peoples mistake. I can't even rent an apartment right now.
Consumer complaint received 2021-11-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I sent letters to all 3 credit bureaus on XX/XX/XXXX regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2019-06-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I opened checking and savings account with Citi bank on XX/XX/2018 in XXXX XXXX  XXXX, new york. My account balance was XXXX. Bank of Employee told me I will be getting {$400.00} for opening the accounts. I don't need to do any thing. I already met all requirements. He even gave me the ads to to proof I will get the money. As of today, I talked with several people at the bank. They said I am not eligible for the promotion. They refuse to give the {$400.00} promised.
Consumer complaint received 2021-08-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I submitted a request in XX/XX/2021 to examine incorrect information on my credit profile. After 60 days, I have still not received an answer.
Consumer complaint received 2020-11-27
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. (WI)

On XX/XX/2020 I filed a dispute for unknown and inaccurate account that I found on my credit report. Its over 30 Days now and I haven't receive any response. I was a victim of Equifax Data Breach and I demand to Remove immediately those unknown and inaccurate account on my credit report or I will file a litigation.
Consumer complaint received 2021-04-28
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. 
I AM A VICTIM OF IDENTITY THEFT. I DONT KNOW WHAT ELSE TO DO. SOMEONE STOLE MY IDENTIFICATION AND DESTROYED MY LIFE. THIS IS A VIOLATON THAT THEY WERE ABLE TO DO THIS TO ME. THESE ACCOUNTS NEED TO BE REMOEVED FROM MY PROFILE. THEY ARE CAUSING ME SO MUCH HARDSHIP
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CT)

On XXXX XX/XX/XXXX I requested a refund of {$3000.00} from from XXXX XXXX of XXXX. 

After noticing that the amount was not refunded to my account. I filed a dispute with Chase bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. 

Subsequently I was told the refund was inadvertently made to one of my Chase cards but refund had exceed the this card amount as just the amount was kicked back XXXX XXXX of XXXX on XX/XX/XXXX. 

Since then I have in contact with both XXXX XXXX and Chase bank but both companies state that neither one of has the funds. 

To date I haven't received my refund.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I was always able to receive and send money via Paypal then suddenly I was asked to provide my bank statements and identification ( passport ), which I actually did provide. Later they limited ( I could not withdraw, send or receive funds ) my account for a period of 180 days which ended on XXXX XXXX. On XXXX XXXX at XXXX pm CAT I was sent an email that stated that I could withdraw my funds unfortunately, I am still unable to withdraw my funds. I really don't understand why I still can not withdraw my funds even after trying to reach out to Paypal support via email, inbox and even XXXX. I seek your help to look into this, this is the Reference ID : XXXX
Consumer complaint received 2019-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

Denied credit by XXXX XXXX XXXX ref. # : XXXX based on 4 different reasons & " NO SCORE Available '' from Equifax ! I couldn't get logged online at Equifax.com, so I then called Equifax spoke with two repres., a supervisor from the XXXX , got nowhere, asked for a US supervisor got XXXX in Nevada ID number XXXX who was difficult, sarcastic, and uncooperative. He asked me to read the XXXX letter to him over the phone. I filed a complaint with XXXX because his supervisor he said was at corporate HQ only! After being frustrated by his lack of cooperation & smug attitude I simply requested a copy of my report to be sent to me. I then went online to XXXX, logged on without a problem, noticed that the info on me was wrong, incomplete, & misleading! The disputes I had made with them previously were confusing, incomplete, and Wrong! There were NO OPINIONS On their website to follow up and request corrections! My Employment at XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, are ALL Missing! A credit dispute with XXXX appeared as Deleted without the $ 10,000+ business paid them. I can go on! So I just requested a report to be mailed to me. They all are slanting info I favor of THEIR CUSTOMERS NO WE THE CONSUMER! We have to play and get sucked into their compound interest current credit/monthly payment game to get a higher score just so they make money! 50 years of great credit doesnt matter! Ah, I see you were 30 Days Late 5 years ago! Yeh but I was T-boned by a XXXX XXXX XXXX  who died and nearly killed me, XXXX XXXX. Refused to pay me a dime! Im permanently XXXX XXXX now, spend 98 % of my life in bed, in pain, on XXXX, and cant sleep! Im having to fight with these credit bureaus again and again Until they get it right? Instead of bombarding Us with their latest marketing make money schemes, get it Right, cuz This is WRONG!!!

Im contacting my Senator XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX! Hopefully they arent too busy trying to Impeach the White House to get anything we need accomplished! This is WRONG!!!
Consumer complaint received 2021-04-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60  days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 (  a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MD)

Synchrony Bank hired XXXX XXXX XXXX, XXXX. to collect on an account that had already been paid in full. My spouse and/or I received court documents to appear in court for the account on XX/XX/XXXX. At that time, we were not aware that the account we were summoned to court about is the same account that had been paid in full on XX/XX/XXXX. Therefore, we entered into a fraudulent payment agreement, wherein the term " fraudulent '' is used because the account information was inaccurate, and false. After discovering this mistake in XX/XX/XXXX, I immediately notified XXXX XXXX XXXX, XXXX. via phone call, and email of the mistake, cancelled all payment arrangements effectively immediately, and requested a full refund of monies to them for Synchrony Bank. The total amount to be refunded is {$1700.00}. XXXX XXXX XXXX, XXXX, after receiving documentation from me supporting my position that the account had already been paid in full in XXXX, they immediately refuse to discuss the account, and the matter of the refund with me any further. On XX/XX/XXXX, I contacted Synchrony Bank via phone, and fax requesting a full refund, and second investigation into the matter. I also provided Synchrony Bank with documentation supporting my position that the account had been previously paid in full as of XX/XX/XXXX. Synchrony Bank stated they were unable to find the documentation in their records, therefore, my documentation was ignored. On XX/XX/XXXX, Synchrony Bank sent me and my spouse a debt collections letter requesting we pay {$3300.00}, the balance they are claiming as unpaid after deducting the {$1700.00} we paid to them via XXXX XXXX XXXX, XXXX. Currently, Synchrony Bank has not refunded us our monies, they continue to report inaccurate information to the credit bureaus. Synchrony Bank is in violation of section 807 ( 2A ) of the Fair Debt Collections Practice Act. I have attached to this complaint documentation supporting this complaint.
Consumer complaint received 2017-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

I am following up on my earlier complaint with CFPB in regards to my student loan servicer, FedLoan Servicing. CFPB closed out the complaint after receiving a response from FedLoan indicating that the issue would be resolved shortly. That was about 6 months ago and I have still heard *nothing* from FedLoan about the correct attribution of my Public Service Loan Forgiveness payments ( even after calling/emailing over 2 dozen times over the past many months ). I would like to reopen my case ( XXXX  ) to resolve the issue. I have also reached out to the Department of Education a few times about this ongoing issue, but they have been unable to assist me ( I have n't even received any info from the Dept. of Ed. about my case ).
Can anyone explain to me why it has been 9 months and FedLoan still can not accurately count the number of PSLF qualifying payments on my account? Or even why, after 9 months, no one from FedLoan can even tell me what 's going on other than to say that I have to wait longer?
Consumer complaint received 2019-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I have been disputing back and forth with experience, equifax and XXXX   regarding them reporting my finger hut account late since XXXX of this year 2019. This account along with my XXXX XXXX account is included in my bankruptcy that they all are reporting as being dismissed when it was never dismissed it is now awaiting closing from the discharge of debt.
Consumer complaint received 2019-06-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bessine Walterbach, LLP (KS)

The debt was originally {$900.00} with XXXX XXXX Hospital, XXXX, KS. I was communicating with a woman in their financial department. I sent her information showing that because of my medical conditions and limited income, I could not pay the debt. I never heard anything back. Next thing I know, a lawyer/collection agency is contacting me, Bessine Walterbach, XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX XXXX, MO XXXX, ( XXXX ) XXXX. I went back to the hospital financial office only to find that the woman that was supposed to be handling my case had retired and left my paperwork sitting around. It was passed on to no one, and they claim they don't have the paperwork I sent in. They told me I had to work with the collection agency/lawyer 's office, that they could not take the debt back from them ( which I know is a lie ). The collection agency wanted over {$1100.00}. A woman higher up in the financial office said she would speak with the collection agency and get rid of the extra interest, bringing the debt back down to {$900.00}. She lied. I paid {$100.00} to the collection agency by check, but I was recovering from XXXX and on XXXX XXXX that I was allergic to ( causing XXXX, XXXX XXXX  and XXXX   XXXX XXXX XXXX ) but I had to stay on them. I missed a lot of work due to my condition, so my paychecks were small. The collection agency, of course, didn't care. They started demanding a {$300.00} payment, which I couldn't do. Next thing I know, I got an email from my bank telling me my account was garnished. I called them and found out that it was that same lawyer/collection agency. Now they want in excess of {$1100.00}, which with what I already paid them comes to over {$1200.00}. They took the last little bit of money I had for food, {$65.00}. I can not use my account or deposit anything in it because it will go to the bloodsuckers. My net pay is way less than {$1100.00} ( about {$800.00} to {$900.00} ). I received no notification, no letter, nothing. I was denied my Constitutional right to face my accuser in court. I want this stopped. I need to be able to use my bank account.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (OK)

XXXX Charge of {$5500.00} by Government Contracting XXXX Dispute of charge filed with Cardmember Service XXXX Contacted merchant to try and resolve issue - merchant refused XXXX Provisional credit of {$5500.00} charge XXXX Submitted 25 pages of supporting documents to Cardmember Service regarding dispute. XXXX Discovered that the provisional credit had been reversed. XXXX XXXX called and inquired about this. Then she requested that she be contacted by someone in the dispute department because we didn't agree with the information that Government Contracting had provided to Cardmember Service and wanted to continue to dispute this charge. She was told that she would receive a call back within two business days. XXXX XXXX XXXX contacted Cardmember Service by phone asking to speak to someone regarding the dispute. She was told by the person who took her call that someone would call her back that week. XXXX XXXX XXXX contacted XXXX XXXX  XXXX for help with our credit card issue and was told that they don't handle these things and we have to deal directly with XXXX, the owner of the credit card. XXXX We faxed a letter to Cardmember Service explaining that we were still waiting to hear back from someone regarding this dispute and that if we didn't hear anything by XXXX we would be filing a complaint with CFPB. XXXX we mailed a copy of the fax that was sent on XXXX XXXX XXXX XXXX is filing this complaint for us and is representing XXXX XXXX.
Consumer complaint received 2017-09-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (NJ)

On XX/XX/XXXX Sallie Mae accepted a forbearance payment of {$37.00}. 
" XXXX Paid XX/XX/XXXX XXXX Borrower '' This is the forbearance notice. No where did it indicate that a payment becoming due had to be paid, as Sallie Mae allows payments up to a week later with no penalty. It is misleading to not include information that the very first payment due under the loan was NOT part of the forbearance. Obviously, the request for forbearance was filed long before the payment was due. 


XX/XX/XXXX Dear XXXX XXXX : We 're pleased to let you know that the request for forbearance on your education loan listed above has been approved. We understand that circumstances can change, so we 're happy we were able to offer an alternative solution that allows you to temporarily postpone your payments. 

Your forbearance period is XX/XX/XXXX through XX/XX/XXXX. 
Forbearance requires a payment of {$50.00} per loan, not to exceed a total of {$150.00} per forbearance request. If you 're postponing payments for more than one loan, the total payment will be divided equally across your loans and applied to the Current Balance of each loan. 

The documents supporting the above data is available if it can not be attached to this complaint. It is also unfair for Sallie Mae to not release to the co-signer the details of the forbearance and how it would affect the first payment due under the loan subsequent to the student ( my XXXX ) graduating.