davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CT)

Home depot credit cards based on ( Citi ) is advertising 6, 12 months and 18 months financing and promotional- no intrest to deceive people. I paid card due on time but after that promotional period, Some balance was left. On month of XXXX XXXX I was charged {$650.00} on interest. I was shocked to see that. Based on the information I was told promotion is intrest free and interest accure after promotion end for balance left. 
XXXX in Home Depot informed us what type of promotional offer was it. So, I called homedepot credit and told the promotion is decieving. They are unwilling to help.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-08-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SUNTRUST BANKS, INC. (MO)

In XXXX 2001, XXXX 2001, and XXXX 2001 I apparently took out student loans with Sun Trust Bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA-XXXX ( XXXX ) XXXX as a student  at XXXX XXXX XXXX an unaccredited for Profit College or Diploma mill based in XXXX, MO. The school is no longer open as it closed almost 2 years ago. Because I was misled into thinking XXXX XXXX was an accredited College similar to another school in my city. I later learned this College was not accredited by an instructor named XXXX XXXX who was essentially hired off the street based on a referral by XXXX XXXX XXXX another instructor neither of which had any experience or academic credits to teach the program I was enrolled in, XXXX XXXX. The amounts of the loans were XXXX, XXXX, and {$2600.00}. The XXXX amount I am not sure where it came from. I only know it exists because it is on my credit report. Long story short i defaulted on my Student Loans and years went by. I tried to pay them again and fell short. This last time I decided I had enough of taking these peoples word for it and I found the Missouri Department of Higher Education less than helpful in answering questions eventually XXXX XXXX got involved and it became even harder to get the answers I needed. What I wanted to know or see was proof that I owed these monies. The last time I requested proof I was sent some type of spread sheet of payments made. This spreadsheet didnt show any terms, my signature, anything at all just amounts of money. I eventually got on an Income based repayment program which i only agreed to because they said my payment would be {$50.00} to {$80.00}. This was not true. The payment they wanted from me was over {$300.00} a month. I was told that If i made 3 payments of that amount they would help me reconsider my payments. What I absolutely hate about all of this is that the monies I was said to have borrowed apparently increased exponentially because by the time MDHE got involved I am told the amounts I now owe are {$6200.00} and {$3800.00}. All of this for less than a sub par education. I would also like to add that I recently had to request my transcript for this school and believe they gave me credit for classes I do not recall taking. Specifically an XXXX XXXX course.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (WI)

I received my most recent statement in the mail from Discover and noticed that the interest rate on my APR for purchases had increased from % 9.24 to % 10.75. Today, XX/XX/2022, I called Discover to inquire. The initial representative directed my call to a second representative that informed me that the United States government increased all APRs across the board by % .75. I had expressed concern to her that I did not receive anything in writing to explain why or when my interest rate increased. When I asked for it to be lowered back to the original percentage rate, she transferred my call to a manager. When I expressed my concerns regarding my APR being increased by % 1.51, he told me to watch the news and there was nothing he could do to help me because its the government and Discover has to make money too. He said he would at least look to see if I have any promotional rates, to which there were none. I have not had any promotions because I've had this card for a very long time. He knew this was the case, but told me to check back in 2 weeks to one month. This is misleading information, as he knows I won't have any special promotions.
Consumer complaint received 2023-01-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION ()

Hi, In XXXX and XXXX of XXXX, and XXXX, XXXX and XXXX of XXXX, I took advantage of two months of forbearance provided by DIscover student loans and Sallie Mae. These payments have been marked as late or missing payments and have significantly impacted my credit and credit history. I would like to have these late payments removed from my credit report.

Secondly, I have 2 loans with discover student loans and 1 loan with Sallie Mae with interest rates between 10 and 12 percent. Because of the hit on my credit from the forbearance mentioned above, I have not been able to refinance and consolidate these loans for a better interest payment. I am writing to see what options are available for consolidation and reduction of my monthly payments and interest rates. 

Thank you, XXXX XXXX
Consumer complaint received 2023-01-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Paid 3 items and they are till on report. XXXX, XXXX and XXXX XXXX XXXX XXXX  just updated the account The other 2 are paid
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (OH)

XX/XX/XXXX and XXXX this credit card company tried to pull {$3000.00} out of my bank account the first was unsuccessful but the second time it was accepted. They were not given permission to do so I was not late on payments. I have called multiple times I have sent a letter like the agreement has stated and also called corporate with XXXX success of any reassurances that this will not happen to the other accounts I have with this company. They illegally took the money out and stated it was pulled and paid on the XXXX which no activity in my bank until the XXXX and again on the XXXX. Ive called and asked for recordings taken on the XXXX around XXXX XXXX  they said they could get them at first but no return calls or updates along with asking for an answer or investigation into what happened. Ive called customer service multiple times and am now being told not even the notes state what happened to my account. This company is trying to cover up illegally pulling money out of my account without missed payments from me as a consumer or with permission to pull with auto pay Ive told them multiple times that I did not give them permission to do this and nothing has been resolved with this company as of XXXX XXXX.
Consumer complaint received 2017-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

My student loans under one account with Nelnet was reported to all three credit reports as credit cards and having 8 different student loans. My Nelnet Account # XXXX Current Balance {$48000.00}. My student loan account I had filed a dispute fraud done by XXXX XXXX XXXX XXXX financial aid department and with federal student Aid. I have repeadly informed representative that forged Promisory Note not signed but typed my name on X/XX/10. Promisory. Note done by someone in the financial aid department at the University. XXXX XXXX, Chief Financial Aid Officer at XXXX XXXX I spoke to was the go to person who handles these frauds and disputes. Informed that all my financial aid files would be audited and that the forensic accountant auditor would be done. Nelnet representatives informed me that nothing would be reported as delinquent since I filed a fraud complaint and once that was cleared up, my student loan would be recalculate and corrections would be made and I would then start making monthly payments. But Nelnet reported 90 days delinquent on loans as if I had 8 accounts with them knowing I have one loan account with a total loan balance combined into One ACCOUNT. This has affected my credit reports rating/ score from good standing to bad standing. Affected me emotional, economically financially and have prevented me from applying for federal jobs. Nelnet account XXXX is not a credit card loan as it is reported on my 3 credit reports. Student loan I have.
Consumer complaint received 2022-12-29
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: CITIBANK, N.A. (SC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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

Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

I became unemployed XX/XX/XXXX. After the XXXX withdraw, I contacted Navient. Navient stated they did not receive all of my information. I resent it to them. They state and show I am supposed to have no payments due online when I log into my account. However they still withdraw from my account. They have had my unemployment information for 1-2 months now and it is visible in the documents section. It has been withdrawn on XXXX and the next is due XXXX in the amount of {$83.00}. The stated when I resent the information that the XXXX payment might still be taken. Payments appear to post to Navient about 2 days after it is withdrawn from my account. There is no way for me to disable the auto-pay either from the Navient site and there are charges though my bank. A similar instance occurred in XXXX and I had to call and demand a refund over multiple days and finally got it through a manager when they continued withdrawing anyway. My account was overdrawn then and has been this year.
Consumer complaint received 2023-04-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc. (WI)

I contacted XXXX XXXX via website and phone on XX/XX/XXXX & by phone on XX/XX/XXXX. No response from them. XXXX was a leasing Management company for XXXX XXXX for half of a year that I resided there. I tried contacting them in XXXX when I first seen the debt but no answer or response. The charge is for rent ( they had the deposit ), late fees, carpet cleaning for apartment, and a broken storm window from the 2nd floor of tri-level that was broken by a storm. They charged 2x for the carpet cleaning. I informed maintenance and management of the broken window the next day after the storm, but no one responded or came to fix it until I moved out. I tried reaching them in hopes of getting a payment agreement for the derogatory mark on my credit and because they were the ones who filed it but no one has responded.
Consumer complaint received 2017-12-24
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. (GA)

Equifax has admitted that my credit file has been breached. They are distressed with me since they knew my file was breached over two year ago, and they are charging me for monthly monitor. Why is it that Equifax are getting away with ruining consumer lives? Thieves are using my information all over Georgia with impunity. I have been targeted by criminals about two years ago, or so. They are mendacious saying this breach started in XXXX 2017. 
In fact, this is a bold face lie. Earlier this year someone got a XXXX card in my name, they did an address change first, then got the card. 
They are still with this trickery and foolery. I need to know what could be done to Equifax criminally. I filed a complaint against them with the Consumer Financial Protection Bureau. Within hours they put thirteen ( 13 ) negative accounts on credit file. Those accounts are either, fraudulent, my daughter, or my son. 
However, it didnt matter to them because it is vengeance, and revenge against me for filing that complaint, and letting other consumers know the breach took place earlier than the timeframe they told us. This is unacceptable and unenforceable, and this is an unscrupulous bid by Equifax to inject itself from legitimate deed against them.
Consumer complaint received 2022-08-24
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. (NC)

I went to the bank to get a business XXXX loan from XXXX XXXX bank and i was denied a XXXX loan because of fraudualent information on my report dropped my score down dramatically I filed an FTC REPORT which is attached to this complaint. I NEED THIS REMOVED ASAP. When I called into Equifax and i spoke to the fraud dept, with an agent name XXXX at XXXX pm XX/XX/XXXX Who refused to help me. when i asked to speak to a supervisor he denied me and said that they will only tell me the samething. I then asked to speak to the supervisor again. He put me on hold for over 20 minutes and hung up the phone i never spoke to the supervisor. I am disputing this fraudualent infomation with all Credit reporting agencies XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX - XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXL Inquiry : XX/XX/XXXX + XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2017-04-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CMI Group, Inc. (TX)

I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine. 

I do not recall this account. Please provide documentation with my signature and services rendered validating that this account is mine. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.
Consumer complaint received 2021-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (HI)

This is a complaint for CITI cards. 

I have made an electronic payment to CITI card from my account that was added and accepted through Citi card as my payment account. This account is held in XXXX in Hawaii. 

I made a payment from this FHB account to my CITY card on XX/XX/2021 in the amount of {$6400.00}. This payment has gone through and citi card print screen is enclosed ( to show that this payment went through ) Couple days later when I checked the credit card online again I noticed Citi cards reversed a payment. and charged me a Fee of {$39.00} for returned payment. 

So I set up an autopay from the same FHB account to my CITY card. The autopayment was accepted and put the payment to go through. Again the same thing happened. I payed {$92.00} on autopayment and when I checked another 2 days later the payment have been not accepted ( but it went through ) Consequently I have been charged another {$39.00} return fee. And of course because my first payment did not go through and was unable to make this full payment I was now charged an interest in the amount of {$81.00} Next thing I did before leaving on vacation and having to go through all this hassle I sent in a check. Which was returned because in all the stress that my payments weren't going through I forgot to sign the check that I have sent ( again from the same account ). So I am stuck with another {$39.00} return payment fee and of course now with late fee of {$39.00} and another month interest of {$82.00} ( I was gone in XXXX for a month and did not have access to proper phone to resolve the issue ). 

I called the Citi cards on XX/XX/2021 at XXXX AM XXXX and wanted to talk about this problem. I was transferred 3 times and then of course hung up on. 
My other attempts to contact them were unsuccessful. A person can not contact them online at all. There is no email address. They used to have this chat, but now the chat is only controlled by the XXXX not a real person and can not really do anything remotely close to what I needed the help with. Trying to get the right person on the phone is a hours long feat and who has the time for that? 

I went to visit my XXXX ( XXXX XXXX bank ) to see if they can help with the problem. 
They told me that the issue is not on their part and that my account has not been blocked or stopped to process these payments in any way. 

Now Citi claims that this payment account has been canceled but when I tried to add it again, the web site gives me automatic response that this account already exists. ( all this is documented with attachments below ) I don't know what else to do. I am enclosing all the information I have here
Consumer complaint received 2022-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OK)

After I filled a complaint with the XXXX on XX/XX/XXXX, for MOHELA constantly not responding to direct questions on my PSLF application, I received a response from MOHELA. The response stated everything was on track for my PSLF application that was filed on XX/XX/XXXX of this year. I also made a call to MOHELA and the representative stated everything looked like it was on track and it may be a the end of XXXX before my account was updated. Then, on XX/XX/XXXX, I receive another email from MOHELA and the processing days have been changed from 90 to 180 days. Six months!? And after a response that everything was on track? It seems that MOHELA just responded with whatever they wanted to get me to close the complaint with no commitment to actually honor their word. It does not look good that this company is the one involved in the lawsuit against student loan forgiveness, then takes over the PSLF applications just to constantly delay the process for millions of borrowers. This was a very poor decision to have this company in charge of these loans and I suspect many will not receive the forgiveness that they rightfully qualify for under these circumstances. I will have to be turning in another application shortly all because my first one was never processed and will be well over the required 120 payments by the time loans are expected to resume payment status, with no resolution to this problem.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (CA)

On XX/XX/XXXX two fraudulently written and signed checks had been cashed for {$7500.00} each to an unknown party. One was cashed on XX/XX/XXXX and the other on XX/XX/XXXX. An attempt to cash a third check was made on XX/XX/XXXX, but was unsuccessful because the funds had been depleted from my account. I filed a police report on XX/XX/XXXX, and an affidavit as requested from Discover bank. Discover refuses to reimburse me for the {$15000.00} that was taken from my account via fraudulent checks. They also have sent no correspondence about the matter during the entire process for the exception of the blank affidavit. I had to call and ask to gather the information that they are refusing my claim and received this information from a representative on XX/XX/XXXX. I am proceeding to file a small claims court case against Discover bank unless the funds are rightfully returned. Police report and affidavit attached below.