davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

I do not have a credit score. I purchased car in XXXX of 2015 and my credit report does n't reflect that either. I just want to know what is going on and what is the reason i do not have a credit score.
Consumer complaint received 2015-09-19
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (TX)

Someone from out of the US transferred funds from my paypal account that was associated with my personal checking account causing me to have to close my personal account with my bank I have created several disputes about the XXXX drafts from my account and everytime I have created a dispute over this they have closed it and dismissed it. I would like for the money to be put back in my pay pal account since I have no checking account due to it having to be closed so they could not get more money from me. I am at my witts end with pay pal and their customer service sucks I have yet to get any help with this and it occurred on the XXXX of XXXX 2015 I would appreciate any help at all.
Consumer complaint received 2017-04-29
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: EQUIFAX, INC. (MI)

On  XXXX   XXXX ,2017   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Pa  XXXX   XXXX  this company had an inquiry on my credit report that was not authorized by me.
Consumer complaint received 2018-12-01
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. (CA)

Hello, and i am a victim of inacurate and false information reporting by credit bureaus. I have submitted claims many times with all attached documentarion regarding the claim and everything thats neccesary to resolve it including police report. Credit bureau did not help me and many times even ignored my claims. Please help.
Consumer complaint received 2016-12-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SCA Collections, Inc. (ND)

I have made this company aware that I am a Victim of identity theft. This Company has ignored a police report with Verification that I am the victim of identity theft. This company is reporting fraudulent information on my credit report. I have told them that during the time in question I reside in North Dakota and sent proof. I have also told them that I am and have always been on XXXX. Additionally any bills that I accumulated while on XXXX they would 've paid. It 's also AGAINST THE LAW TO BILL SOMEONE WHO 'S INSURED WITH XXXX FOR ANY OUT OF POCKET MEDICAL EXPENSES. IVE HAD XXXX SINCE 1980 UNTIL NOW.
Consumer complaint received 2016-11-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IN)

Chase bank debited {$1300.00} from my account. Mother gifted money many times from her account in " quickpay '' mother passed away and disgruntled sibling says money not gifted. I feel the bank has not looked into this, if so they would see that this gifting of monies is something that has been done for more then 4 years.
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TX)

I have XXXX " Former Addresses '' listed in California that are not mine. I have never been to California nor have I lived at either of these addresses. The XXXX addresses are : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2016-07-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I signed up for a CitiGold Checking account which promised a reward for joining of XXXX XXXX XXXX Aadvantage Miles. I was told on XX/XX/2016 what requirements I needed to meet by XXXX XXXX. On XX/XX/2016 I was told I met those requirements and that the miles would be deposited on XX/XX/2016. I have yet to receive the miles I was promised for opening the account.
Consumer complaint received 2016-04-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (TX)

My name is XXXX XXXX, I would like to submit a complaint against the loaner American Education Services. I have submitted an application to discharge my loan due to False Certification ( Ability to Benefit ). I come to find out that the school I got a XXXX was n't legit and did not meet the requirements for Regulation or Accreditation. I took an adult program to obtain a XXXX XXXX XXXX from home. AES mailed a " Notice of Eligibility stating I was ineligible for the loan discharge because further information is required to complete the process. They have requested that I must provide proof that I did not complete XXXX credits or XXXX clock hours of coursework. Unfortunately, this school is now closed to be able to provide my loaner with the information requested. I have filed a complaint with the XXXX and provided AES with proof of law suit court order towards this school and it is not sufficient. I have been given the number to XXXX and have explained my situation and have been given multiple numbers to call to get this resolved and nobody has been able to help me. If the school is closed and is under a law suit because their high school diploma was n't legit, I do not see why this information should n't be enough to determine I did n't have the proper education to have a high school diploma at the time I enrolled at XXXX XXXX for XXXX XXXX program which is the cause of this loan that I am stuck with. everything was a lie and I do n't feel I should be responsible to something that was not valid and or go along with a lie. I was n't aware of all this or else I would have not got into school. I was just trying to make something better in my life to be able to provide for my family. I am now stuck with a loan that I never even benefit from with the XXXX course I wasted my time on. Could you please help provide some kind of documentation for this case?
Consumer complaint received 2016-04-09
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NY)

HOME DEPOT SALESMAN DOUBLE TALKED ME AND I REPLACED MY XXXX CAR GARAGE ROOF ... ..NEVER PASSED INSPECTION POOR WORKMAN SHIP ... GAVE ME WRONG HOME DEPOT CREDIT CARD WITH CITI BANK ... I SIGNED CONTRACT FOR NO INTEREST FOR 24 MONTHS NO INTEREST RATE ON CONTRACT I SIGNED ... 
I THOUGHT I HAD ABOUT 90 MONTHS TO PAY OFF ... MIS LEAD ME. I JUST FOUND OUT XX/XX/2016 THEY GAVE ME WRONG TYPE OF CREDIT CARD FROM HOME DEPOT ... .I THOUGHT I WAS GETTING A " PROJECT LOAN CITIBANK CARD '' BUT I DIDNT RELIZE THE DIFFERENCE UNTIL XX/XX/2016. NOW THEY ADDED OVER {$5000.00} INTEREST AND I AMOST HAD A XXXX.. I WAS PAYING THEY MONTHLY ABOUT $ XXXX-XXXX ... ... .THEY STILL DID NOT FIX MY ACCOUNT BACK THE PROPER WAY. THEY BEEN CALLING AND ASKING FOR MONEY THAT I DO NOT OWE AT THIS TIME ... ..I SENT PAPER WORK TO THE OFFICE THEY REQUESTED LAST MONTH BY CERTIFIED MAIL AND IT WAS RETURNED TO ME ... TODAY SAT XX/XX/XXXX. I ASKED AGAIN ABOUT MY ACCOUNT AND WAS DIRECTED TO SEND PAPER WORK TO ANOTHER OFFICE IN XXXX. I WISH SOMEONE WOULD HELP ... XXXX SO MUCH FOR THE HELP IF POSSIBLE MY HOME DEPOT ACCOUNT NUMBER IS XXXX XXXX XXXX XXXX NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Tel XXXX XXXX XXXX BOTTOM LINE I WOULD LIKE THEM TO GIVE ME A " PROJECT LOAN '' CREDIT CARD AND TO FIX THE ROOF PROPER OR TO REMOVE IT COMPLETELY SO I CAN HAVE ANOTHER COMPANY INSTALL THE ROOF ... PLEASE LET ME KNOW IF YOU CAN HELP. 
BALANCE DUE ORIGINAL CONTRACT XXXX. As of TODAY BALANCE {$9700.00}. Thanks
Consumer complaint received 2017-02-13
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (IL)

SUNTRUST BANK IN FLORIDA ISSED A CASHIER CHECK IN THE AMOUNT OF {$4200.00} CK XXXX AND REFUSING TO HONOR PAPER. 
THEY ARE IN VIOLATION OF THE DOOD-FRANK ACT FOR ISSUING FRAUDULENT CHECKS TO CONSUMERS.
Consumer complaint received 2017-04-29
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: Experian Information Solutions Inc. (MI)

On  XXXX    XXXX ,2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ca  XXXX   XXXX  had had inputted an inquiry on my credit report without my consent or knowledge.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc. (PA)

I had a problem with Self last year that wasn't fully rectified. They closed my loan account but I never received my money from that account. I was contacted by corporate saying they'd issue a check but they still have yet to do so. I requested that they put the money owed towards my balance I believe account # XXXX if they weren't going to send me my refund. I have them another chance this year account # XXXX. We are still having issues. I had my identity stolen and had to change checking accounts. I updated my account for some reason it didn't take it from the new account I provided but the old one. I have tried several times to call customer service to no avail. This is my only credit card that I've had issues with. Self is an amazing concept to help people build credit. But the communication is horrible with customer service. Honestly this should've been extremely easy to fix. I'm a XXXX XXXX XXXX  I don't have alot of free time.
Consumer complaint received 2016-08-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NC)

Chase Mortgage significantly overcharge the payoff amount of my primary home loan by more then {$8500.00} at closing when I sold my home in XXXX XXXX. The previous year in XXXX, XXXX we executed a term-extension only modification that spiked our payoff over {$11000.00} from the previous month 's statement, which Chase can not reconcile after spending many hours reviewing their detailed history on the phone. I hired an Accountant to audit the detailed history suggesting I contact CFPB after no calculus with arrears back escrow, interest, accrued penalty come close to fees charged. Additionally Chase refused our full mortgage payments we paid in the successive months prior to modification which hindered our efforts to make catch up payments avoiding the need for modification
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NJ)

Citibank. I had a dispute and was fearfully of card number being compromised. Citibank sent me a new card. On my end I did pay the card balance in full, as I 've done in all the 15 years I 've had the card. I made my payment 1 day late, payment in full. They charged me XXXX on my account.. I tried contacting Citibank but they refused to reverse the charge. I close the account and paid their penalty. I paid Citibank in full for all my charges and felt that a one day late payment in full should have a not be penalized. I work for a family run lumber yard and if we treated our customers such as above, they would n't come back to our yard. They did n't reverse the charges, therefore I am contacting you to see if the right thing could be done and credit me the charge. Your consideration is much appreciated.
Consumer complaint received 2017-03-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MD)

For years I was only given forbearance options and my loan has skyrocketed to over 110k because of the interest capitalization and origination fees. That was never explained to me nor did I completely understood my options at the time. Forbearance was the only option offered. I believe when I completed my XXXX program ( Never could finish my dissertation ), I could not afford any additional loan and my balance at the time was only XXXX. Now I am not even going to school and it ballooned XXXX higher.
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: LEXISNEXIS (NJ)

Lexis Nexis was utilized in the month of XXXX 2016 to obtain a consumer report on me, from XXXX. One week ago, a request was made to have this report sent to me. As of yet, Lexis Nexis has failed to follow through and send this report.
Consumer complaint received 2016-04-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (PA)

I am in a loan repayment program with the national institutes of health and I entered into repayment for my private student loans from Navient and they charged me fees of {$1100.00}, {$1100.00}, and {$1600.00}. I called and was told this is because the loans are now in the repayment stage. This is absolutely unacceptable. So because I am paying the loans I am assessed a fee? How is this acceptable. I was told to write a letter to them regarding this as this was my only course of action. How are we also penalized for paying our loans? This should be outlawed.
Consumer complaint received 2016-02-10
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

I have received numerous complaints from friends and family members that this company is contacting them several times a month. I do n't know how they have my friends and family members phone numbers, but it is uncalled for. They are feeling threatened and harassed. 
I researched the company and it states they are a collection agency for XXXX XXXX. I do not have a student loan with XXXX XXXX. Furthermore, my student loan is auto-drafted, so I know it is current and not in default.
Consumer complaint received 2016-09-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MO)

XXXX XXXX did n't explain the loans and did n't tell me about the loans being private. they also told me that I could pay {$25.00} and there was nothing that could be done to me which is wrong.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank has suspended all charging on my accounts. They stated they needed to verify my income. They submitted a XXXX to request my XXXX transcripts. The letter stated it would take XXXX days from the return of this form before I would hear back. The letter was returned over XXXX days ago and to date I have not received any correspondence or able to get any answers to my phone inquiries. last phone inquiry was today XXXX. XXXX the customer service agent advised there was no update. Please note all of the accounts Synchrony Bank has suspended were approved via their automated system and cards were mailed out to me. All information including income was truthful
Consumer complaint received 2016-01-18
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIGY USA CORP. (CA)

I was contacted by XXXX XXXX XXXX in XXXX XXXX in regard to a debt that was charged off in XXXX. XXXX XXXX called saying that he was collecting this debt and that I need to pay the entire debt of {$7400.00}. 

I requested supporting documentation to prove his firms right to collect the debt. 

2 weeks passed and after my receipt of supporting documents to prove he had any right to collect the debt, he again contacted me. We had come to a verbal agreement of {$3200.00} and he was to email me a settlement letter to sign with that amount. 

2 weeks passed and instead of receiving the settlement letter from XXXX XXXX, I receive an emailed settlement letter from XXXX XXXX and a XXXX XXXX CC'ed. It 's for {$5200.00} I feel the false statements by all parties named has caused a real problem. I am not sure who to believe or whether this is a real company. They may have the same dotcom but all contacts have different phone numbers and none seem to know what either is doing.
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FMS Inc. (NJ)

XXXX is trying to collect on a debt that was previously being collected on by XXXX. I submitted a police report and FTC Affidavit to XXXX before they submitted this out to this other collection company
Consumer complaint received 2017-02-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

I have a private student loans from XXXX transfer to Navient from 2009 till this present and have been paying ever since. XXXX told me this private loan that I will pay for 10 years and yet till now that my loans were Navient, and have notice from those time till now that my loans that I 've been paying is really not getting lower and also and interest is going up drastically without proper consent to me. And which is also difficult and burden to my payments every month. I have felt all those years I was mislead by this Company. whenever I miss a payment operators have always call me day and night non stop which I feel I was harass for most. I have tried to reconsolidate my loans to other companies but I could n't cause of my bad credit of late payments within this company and feel that I 'm stuck with this debt for a long time.
Consumer complaint received 2017-01-05
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (TX)

This is a addendum to complaint XXXX. I have sent XXXX everything they 've requested yet they continue to disseminate false information to my Credit Report. 

Please be advised if you do not remove this Tradeline from my Credit Report I will sue your company for violations under FCRA/FDCPA.
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (FL)

On XXXX XXXX, XXXX, our XXXX was XXXX under Chapter XXXX by the Bankruptcy Court in the XXXX XXXX XXXX Florida. Said mortgage was recently sold to Statebridge Company, LLC. on XXXX XXXX, XXXX. 

Today, XXXX XXXX, XXXX, we receive the first mortgage statement and it lacks the acknowledgement and language that the mortgage was discharged in XXXX and is in direct violation of the Fair Credit Reporting Act ( " FCRA " ) and Fair. Debt Collection Practices Act ( " FDCPA '' ), I am attaching a copy of the bill received as well as a copy the Bankruptcy discharge. 

I am requesting that Statebridge Company, LLC reflect our Chapter XXXX Bankruptcy discharge on our account.and abide by the law. 

Thank you. 

XXXX XXXX
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

XXXX bill was paid in full as of XXXX XXXX, 2015, therefore it was not a collection account ending the month of XXXX as Experian is reporting. I have proof of the payment attached. Experian has not supplied me with full payment history and how they verified payments on the account as FCRA 611.
Consumer complaint received 2015-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TN)

they will call constant from XXXX everyday about XXXX or XXXX times .from different phone numbers. when you try to answer it hangs up. 
they have learned to go around the block and leave XXXX to XXXX messages on voice mail. even when you speak with someone they will call back. this has been on going. they will call even with the 7 day grace periord. conn 's has over done it so many times. 
the call from XXXX
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

XXXX XXXX, XXXX, I call Equifax disputing old accounts from XXXX with them. I was told that this account had just been placed with them in XXXX, and it will remain on my credit history until XXXX. 
I believe that Equifax is doing some illegal activities. I also spoke to a supervisor and he said that I can not dispute those dates, and he quit talking, leaving me on hold for about five minutes until I hung the phone. These report should have been removed in XXXX, however Equifax renew it in XXXX for an additional seven years. 
Who would expect a company such as Equifax participating in the fraudulent deceitful reporting something got to be done?
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (MI)

I had a bill with XXXX XXXX in which was paid. I submitted my paperwork showing this judgement was paid and for some reason XXXX or Equifax did not remove this off my credit report and wont allow me to dispute it. I just recently went through the cfpb to help me with XXXX and It was just recently removed off my experian but now I see it popped up on my XXXX and Equifax. Why??? why are these companies giving me such a hard time taking it off my credit report.Once again I contacted XXXX district court in Michigan in which they stated the same thing I had to reach out to XXXX XXXX and Equifax as I did experian to have it removed because XXXX district never put it on my credit report. I reached out to both companies and was told to call the XXXX number for each company why?? they wont give me a reason. Like I explained before in the previous dispute I 'm just trying to buy a home and this public record is really a hurting factor on my credit report. The judgement was satisfied and the courts did n't put it on my credit report so why do I have to suffer when all I 'm trying to do is maintain a good credit score and purchase a home for my family to live in. XXXX and Equifax need to remove this off my report its unfair & XXXX it really is. Once again I also called XXXX XXXX in which the representative suggested I contact cfpb. All I want is for this public record to come off my account its unfair that this is holding me back from obtaining a financial loan. The courts acknowledged they did n't put this on my credit report so why is it so hard to dispute it. Please I need this off my transunion and my equifax report why would it show up after it was taken off my XXXX? Can you please help me with this situation attached I will submit the information for the satisfied judgment. 

Regards XXXX XXXX XXXX