davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

This is a formal complaint against them. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-07-05
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. (NJ)

Ive spent about 3 hours over the last 3 months or so trying to get a fraud charge taken off my Citibank charge card account. 
( Ive called 4 times so far ) They canceled the card & sent me a new card with a new account number. The fraud charge were then put on my new account with the new account number when I received the new statement. I should have a credit of about {$4.00}. On the account, not {$140.00}. Charge. Citibank then added late payment fees & interest fees. Citibank is still asking for a payment for a charge thats not mine. I have been with them for 17 years or so with my personal charge & close to 30 years with a business account. NOT HAPPY
Consumer complaint received 2022-12-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ALLIED MORTGAGE GROUP (FL)

I was approved for forward payments from th homeowner 's assistance fund. These payments were to begin on XX/XX/22. I contacted HAF and was told parent was sent out.. I contacted my mortgage company and advised them of my situation. I emailed them my award letter. To date no payments have been applied.
Consumer complaint received 2022-08-29
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account name XXXX  and Account # XXXX, has violated my rights. 

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
Consumer complaint received 2019-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (GA)

I was selling some furniture on the website XXXX. I was sent a check to pay for the bed I was selling and for shipping the bed to the recipient. 
I deposited the check I received into our checking account at Suntrust bank on XX/XX/2019. I called the bank on XX/XX/2019 and was told the check had cleared and funds were available as well as verifying on e-banking. I used XXXX to send {$1000.00} to Ms.XXXX XXXX of XXXX, VA as I was under the impression Ms. XXXX was the mother of the person buying the bed. On XX/XX/XXXX, I sent another {$1000.00} to Ms. XXXX after calling the bank and again confirming the money was in our account. I was asked to send another {$500.00} of the money to Ms. XXXX. On XX/XX/XXXX after funds had been sent we were notified the original check I deposited had been returned to Suntrust for insufficient funds. 
The original check was for {$2800.00} and Suntrust charged us {$36.00} for insufficient funds in our account. 
We filed a police report with the XXXX Police Department on XX/XX/XXXX at the XXXX   XXXX Precinct at XXXX XXXX XXXX XXXX, XXXX GA XXXX complaint # XXXX We feel Suntrust has a fiduciary responsibility to protect us by confirming reliably the validity of the check clearance
Consumer complaint received 2022-09-30
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. (VA)

XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX ), phone XXXX, had our mortgage over a period of time and it was a complete nightmare. I was constantly calling to have late charges removed because they were added to our monthly statements and the account was never late. They continuously tried to say they did not receive my payment on time when I have the cancelled checks to prove it was received timely. They attempted to add extra homeowners insurance to my mortgage several times ( when they had proof and a copy of the policy I have through XXXX XXXX for over 20 years ) and the insurance had never escrowed in from the beginning of the loan. They changed the owner of the loan from my name to the estate of.. my deceased father, and I could not get anyone to help or even talk to me about the loan. The loan has been in my name from the beginning, so not sure what happened or why they changed it. Im still trying to reach someone there that will actually help me to get things straightened out even now after they have sold our loan to another servicer. This loan with XXXX XXXX XXXX is showing still open and late on my credit report to this day and is ruining my credit. Ive been trying to resolve this for months to no avail. Its time to get an attorney involved if this can not be resolved within the next 5 business days.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OR)

Home Depot issued me a credit card with a {$8500.00} limit. On XXXX without cause, I received a letter stating they decreased my limit to {$6300.00}. I was in a middle of a major renovation project and when they decreased my limit, the project had to come to a stop because there was no available credit on the card. I immediately contacted Home Depot as I always paid on time, made additional payments, often paid the balance off in full, and was never late. They agreed this was an oversight and they then increased my credit back to {$8500.00}. A few months later they increased my credit limit to {$11000.00} as we started another major renovation project. Then on XXXX, I again received a letter stating Home Depot decreased my limit to {$8900.00}. Once again, our renovation has come to a complete stop because they decreased the limit to having only {$49.00} in available credit. Most importantly, every time Home Depot decreases my credit limit to the balance owed, it negatively effects my credit score.When my credit limit is dropped to the balance owed, it then shows I am using 100 % of my available credit. This unfair trade practice dropped my score XXXX points each time Home Depot did this. This is an unfair practice because as mentioned above, I always paid on time, made additional payments, often paid the balance off in full, and was never late. In fact, this is true for all of my lines of credit- nI have an exceptional pay history! It is extremely difficult and takes a lot of time to build credit and its is unfair that a credit card company can decrease my credit limit and damage my credit score. Home Depot should be held accountable for damaging my credit score!
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

All this happen XX/XX/XXXX of this year i had try to talk to bank told them i didnt make purchase of plain ticket i had done all but they said clain not paid so im asking for help to get this fix im sending document of what was file and had contact bank of america and giving a no answer and just closin case so pleae help me out
Consumer complaint received 2021-10-18
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-08-13
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2022-08-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I am so feed up with trying to get this issue resolved 1 ) I attempted to make payments to the XXXX XXXX, which they refuse to cash. The first payment was returned to me right before I went on vacation for XXXX weeks. The other two I don't know what the status is other then my bank has cut them a check and they still haven't cashed them but reported me to the credit bureau as delinquent and credit score when from exceptional to good in one day. 
2 ) Never could get in touch with the anyone in XXXX XXXX, had to go the office manager at the XXXX XXXX XXXX, who also got the run around from XXXX  XXXX. Eventually the issue is that there was a digit missing from the account. Expressed my concerns and was told to file a dispute. I attempted to file on the website provided and the the site wouldn't accept my complaint. 
3 ) I cut a fourth check for the balance owed. 
4 ) I filed a complaint with XXXX, but have been unsuccessful to submit any supporting documentation. Called, the company and they said that it must me my cookies in my computer but try again. Which I have without success. 
5 ) I find out that I now have to establish an account with all the other credit rating services that are out there and go through that process. I attempted to got to XXXX XXXXXXXX XXXX website to file and it became very difficult and cumbersome. 

Any assistance in getting this matter cleared up would be appreciated.
Consumer complaint received 2019-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IL)

I have 2 issues that I have been trying to resolve. 

Issue # 1 : On XX/XX/XXXX, I faxed over my application for the Public Service Loan Forgiveness ( PSLF ) program. I also submitted a second application for PSLF on XX/XX/XXXX. The XXXX application was for my years of XXXX service in the USA starting XX/XX/XXXX and the XXXX application was for my years of XXXX  service between XX/XX/XXXX to XX/XX/XXXX ( I left the USA to XXXX abroad for 3 years ). 

On XX/XX/XXXX I was notified via letter that my XXXX application was denied due to incomplete information. I refaxed again on XX/XX/XXXX to which they denied again on XX/XX/XXXX due to missing information. I faxed again on XX/XX/XXXX. I called on XX/XX/XXXX to inquire about the status of my application and the CSR told me that it was never received. She told me to take a photo of it and upload via website which I did that day. Finally, on XX/XX/XXXX I received notification that my PSLF  application was received and processed ( original application sent XX/XX/XXXX )! 

I have called several times to inquire about the number of qualifying payments I have that count towards PSLF. Every time, I am told to call back because they have not been processed or calculated ( see attached phone records ). To resolve issue # 1, I want to know how many qualifying payments I have made towards PSLF. According to the notice I received on XX/XX/XXXX for my XXXX application, qualifying payments are calculated within a few weeks. However, it has been since the end of XXXX and noone can tell me how many qualifying payments I have made! 

Issue # 2 : On XX/XX/XXXX I sent my annual Income Driven Repayment ( IDR ) plan request. On XX/XX/XXXX I received notification that my payments would jump from {$0.00} to {$940.00}. I called and CSR told me to resubmit an application and check the box for " lowest monthly payment ''. I immediately did this and on XX/XX/XXXX, I received notification that my application was denied. I uploaded again on XX/XX/XXXX and it was denied due to insufficient documentation. I uploaded again on XX/XX/XXXX and was told that I would receive my updated payments by XX/XX/XXXX. After still not hearing anything, I called on XX/XX/XXXX to inquire about my 5th application for an updated IDR payment plan and was told that I need to make a {$5.00} payment to complete the application process- that is what was holding up my application. I explained I never received notification that I needed to do that! I made payment and was told to wait for my new payment amounts. 

To resolve issue # 2, I just need to know what my new payment amounts are!
Consumer complaint received 2022-08-02
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: PENNYMAC LOAN SERVICES, LLC. (AZ)

I Spoke with the company regarding late payments and foreclosure on credit due to inability to find a place to live and getting denied automatically due to that. They said I would need to talk to one of the credit bureaus to get this removed. I submitted a dispute and information was not changed.
Consumer complaint received 2021-10-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

I submitted an employment certification form in XX/XX/2020 but it has not been processed yet. I am not getting credit from XXXX through XXXX for my employment. I have tried to call them several times but I've been on hold for over 2 hours. I need to speak to someone because I have questions about my loans.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

Total account was {$1300.00} XXXX XXXX XXXX XXXX credit collection settled with me for {$960.00} Now I'm seeing a balance on my credit report for {$410.00} that account is settled and it needs to be close at a XXXX balance I've reached out to the company in numerous of time How's change
Consumer complaint received 2021-04-13
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. (CA)

There are 16 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since XX/XX/2020 and nothing has been done I need help Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-06-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

this pertaining to Equifax Credit Bureau- i XXXX XXXX XXXX have been fighting Equifax for about 3 years. I believe that they have let the thieves take over my Account everything is Derogatory. I finally got to see the equifax Report through XXXX  website it is a Horror. The first incorrect Serious Delinquency- Totally incorrect- I have none 2. Short Account History- My Account History is 12-14 yrs with XXXX XXXX XXXXXXXX 3. Few Accounts Paid On time- EVERY ACCOUNT PAID ON TIME 4. Then Contradiction- Bills Paid on Time Recently- I PAY MY BILLS ON TIME ALL THE TIME.

So it Appears someome else is definately posing as me. XXXX i was pickpocket shut down all the immediately. Filed police report. 
All Credit Bureau 's put Fraud Alerts.May XXXX i gave first person all correct info, next tells me that i'm not me. I have ask twice for my credit they refuse to send. I sent in all Identifying Marker 's. Twice still ignored. I'm very ill i sent in proof of that also. They refuse to answer me because they think i'm the crook. XXXX and XXXX have my Credit Exact with same Information.
Consumer complaint received 2022-08-02
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: GOLDMAN SACHS BANK USA (GA)

i have called Apple Card over 8 times trying to resolve this matter. I even was about to start a Lawsuit against them but was told try this first I have a police report this is going to be attached about this account why its not mines.
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

Hello, I 'm a XXXX. I took out XXXX school loans from XX/XX/XXXX-XX/XX/XXXX serviced by Navient ( formerly XXXX XXXX ) for well over XXXX. For the next 6 years I finished my XXXX ( 5years ) and XXXX ( 1 year ) at XXXX including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX with an average yearly income of XXXX. Through out these six years I was repeatedly and from the very beginning was steered by Navient into forbearance. 

The cycle began with when I started residency and my loans went into repayment and I discovered that the monthly payment was almost equal to my monthly income. I was told by the company that deferment and forbearance is my best option unless I had another source of income. Yearly I would receive letters stating that forbearance was expired and that the next payment ( almost equal to my income ) was due and several times received a late fee because I failed to make that payment. Then I would call and was told that the best option was sign a forbearance to avoid further penalties. In the end I was left with nearly XXXX $ when I graduated fellowship. XXXX When I got my first job as an XXXX at XXXX XXXX XXXX, I met with an financial advisor who explained that an option called Income Based Repayment was available and I could have also taken advantage to Loan forgiveness that would have saved me over XXXX $ over the years, however it was too late because now my income has substantially increased and I did not qualify. 

I feel that Navient steered me as an struggling borrower toward forbearance, and obscured information about programs that would have saved me over XXXX $
Consumer complaint received 2021-10-18
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: DISCOVER BANK (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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
Consumer complaint received 2019-06-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (NY)

I have two private loans with loan servicer, American Education Services. Their website is www.aessucces.org. 

My monthly payment is due on the XXXX of every month. Im currently past due {$460.00}. Right now, Im unemployed and there is no way that I can make these payments until I get a new job. 

I sent in a letter to be forwarded to the lender on XX/XX/2019, asking for additional forbearance or deferment since Ive apparently used up my other options according to AES. 

Ive called every day since Ive sent in the letter, but to no avail, its still under review. I dont see how reviewing a letter can take so much time. 

I want to resolve this issue as I have a co-signer on the loans and I dont want to impact them on the credit reports. 

However, Im stuck between a rock and a hard place because I have no way to pay back the loan currently. 

Please advise ASAP.