davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Vermont Student Assistance Corporation (VA)

I attended college XX/XX/XXXX at XXXX at XXXX and I have been paying off loan since XX/XX/XXXX and have not made a dent in the amount owed. A matter of fact, I often questioned the amount owed and asked for copies of my promissory note, which I have never received. Through the years, my loan was transferred from one entity to the next and the outcome for me was increased in the amount owed. I continued to get hidden cost and the amount seems never to go down. It has been {$60000.00} owed for a long time and I have been paying anywhere from {$500.00} to {$400.00} a month. Lately, it shows {$58000.00}, which they continue to say it is only towards the principal. I would like to see my signature of what I actually borrowed and paid ; not just printouts of what I have paid. I feel I have been ripped off by XXXX and now the State of XXXX and the student loan industry. Where is my actual promissory note for the XXXX. They tell me that this is what they received from other lenders. What is the amount and why does it take years for the amount go down. A mortgage is cheaper than a student loan. I can not get legitimate information about the real amount borrowed so that I can validate the amount owed, which seldom goes down. This should be illegal. School - XXXX in XXXX, XXXX. I also attended XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

Georgia State Tax Lien was placed on my Experian credit report on XXXX/XXXX/XXXX. This Lien has been Released by the State of Georgia, though they state it is up to the credit bureaus as to when they will remove the lien from my report. This Lien was filed in error and was originally paid back in XXXX. The state of Georgia has released it and stamped it as satisfied, and I disputed this with Experian but the refuse to remove the lien.
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Balance transfer — 
Company: SYNCHRONY FINANCIAL (MI)

My credit report shows a status of " Closed. {$1100.00} written off. '' from XXXX. I have disputed it with both XXXX and XXXX. XXXX came back with no update as a result. After spending almost an hour on the phone with Care Credit they told me that they had never received an dispute ( s ) and that they could n't update it this account because they sold it to XXXX and they would have to report it. I explained to them that they sold it, it 's not written off. They did get paid and they agreed but because it was sold off, they would n't update my credit report, that XXXX had to. XXXX is n't the one reporting the error of it being written off. XXXX conference called all of us on the phone and eventually hung up on us because Care Credit refuses to mark it as paid instead of written off. They keep saying they will not update it because it was sold to XXXX. I called XXXX and they are sending me that I paid them off in full, but they ca n't report for Care Credit. No one will help me to get this updated on my report. This mark is causing me to receive higher interest rates, ( 3 % ) higher on loans. When I did pay it off. Please help me, they sold it, got paid for it and still wo n't update.
Consumer complaint received 2017-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (OK)

I disputed this collection and it was removed from credit history on XX/XX/XXXX. I have received a letter dated XX/XX/XXXX attempting to collect the same debt for the same amount again.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (OH)

I received a bill in the mail for {$24.00}. I do have an XXXX account. I remembered making a recent payment to XXXX. There was nothing past due. On my bill from Synchrony bank showed no purchases. A customer representative from the bank told me to call XXXX. XXXX told me that I did not owe any money. I have the bill from the bank.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BARCLAYS BANK DELAWARE (MO)

Last year during XXXX I defaulted on my credit bill payments as I was gone for XXXX and subsequently, upon release from XXXX, was unemployed for over 3 months. I got a job XX/XX/XXXX and have filly fully paid my barclays debt. However, my credit report still shows that I owe barclays a balance of over {$800.00}, although, I have proof I have paid my debt in full. I called them to request the credit bureaus be updated but they refused to help me or point me to anyone who could help.
Consumer complaint received 2017-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (FL)

credit card from fl. XXXX XXXX had an agrement to take {$150.00}. out of my checking acct. very month, on XXXX/XXXX/XXXX they took it out but also on the XXXX, they took unarthorize amount of {$750.00}. have called over a week said no money then said would credit wish they have not done. it made my checking acct. to be overdrawal {$750.00}, can u help me
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (FL)

This is a debt, claim by XXXX XXXX which was suppose to have been sent to my bank as a refund. My Bank, XXXX, claim that they never received such a refund nor was it deposit into my account. Now XXXX is trying to collect money that I never received. I have contacted management at XXXX and they have informed me that they would contact the collection agency and have this collection removed from my credit report. This has not happen as of this date XX/XX/2016.
Consumer complaint received 2015-10-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

To whom this may concern, In reference to my previous complaint about Scottrade 's treatment of my son. I have attached a bank statement that shows just how egregious the fraud at Scottrade has been. 

Over {$800000.00} of unauthorized ACH transfers occurred and Scottrade refused to refund the stolen money.
Consumer complaint received 2017-10-11
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. (CA)

Hello, I have been disputing a XXXX XXXX with Equifax for some time now. This account is past the statute of limitations for California ( 7 years from DLA, which is XX/XX/XXXX ) XXXX and XXXX have followed the FCRA and removed the account but Equifax refuses. I spent over 1 hour on hold to be told they could do nothing more then dispute it which I have done 10+ times over the last 2 years. XXXX is violating the law by updating the DLA to XX/XX/XXXX, which is incorrect as I have had zero communication with this company since XX/XX/XXXX. Equifax tells me that they can only go by whats reporting and Porsche is not violating any laws by doing so. I have applied for a home loan and was denied do to the XXXX account and the XXXX balance owed. Please help me rectify this situation as they are clearly breaking the law.
Consumer complaint received 2015-03-21
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Cash Express, LLC (TN)

I hired a company to deal with Cash Express in XXXX TN but the manager of the store has written me a letter threatening civil action. Their corporate office sends letters like XXXX or XXXX at a time. The company I hired said they have contacted them but they do n't let up. Address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX : ( XXXX ) XXXX This is their corporate headquarters. I am on XXXX and I could no longer afford the outrageous fees they were charging.
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE (AZ)

I was haggled into a " sampler package '' of a time share with the tactic of being 0 % APR for the first six months on this credit card. This was after almost two hours of high pressure tactics. It was not only afterward that I regretted it but very much so a month later learning this purchase was at 18.99 % the bank informed me. They gave me a run around to get it fixed and it still is n't fixed. The first gentleman I talked to I vented my extreme frustrations on with learning about how I was scammed a second time. He told me to call XXXX XXXX and if they did n't work with me, he 'll submit the dispute. The second time I called with my Financial Advisor I learned they are partners with XXXX XXXX and sent my information to their customer care of whom can only be contacted by fax. I am completely unsatisfied with XXXX XXXX. I do not want this credit card. I do not want this purchase that was made on this credit card. My next step is to put a complaint against XXXX XXXX XXXX. The money lost below is not including the interest. I have not paid yet but so I do n't mess my credit up I will have to. I am going to fight my best to get out of this scam.
Consumer complaint received 2017-10-11
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: WELLS FARGO & COMPANY (FL)

my card was stolen and used around XXXX/2017 i never used the card at this merchant for this amount XXXX-XXXX XXXX XXXX FL # XXXX {$7100.00} i called wells fargo and they denied my claim wo investigating there clearly violating my right under the fcba and this wasnt even used for the chip is was swiped based clearly wells need to be investigated for violating my rights under the fair credit and billing act, i also filed a police report with XXXX police dept phone number XXXX officer XXXX report number # XXXX
Consumer complaint received 2022-10-01
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. (MI)

I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (VA)

I have not owned an XXXX XXXX XXXX phone for more than 20 years. This collections shows an age of less than 4 years. It was paid more than XXXX decades ago - the collection keeps getting sold to another collection agency, who changes the open date & it starts all over again.
Consumer complaint received 2022-08-04
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (MD)

I disputed a debt in writing that a debt collector said I owed and stated in the dispute letter to cease further communication with me or others except for providing me further verification of the debt. I also stated that if they notified a credit agency of the debt that they must tell the credit agency that the debt was disputed. The debt collector both called me again after receiving my letter, never provided further verification of the debt, and reported the alleged debt to the XXXX reporting agencies.
Consumer complaint received 2015-11-21
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: M. Richard Epps, P.C. (VA)

This debt collector has successfully garnished my wages on my first job in six years, without notifying me that 1 ) I was being sued 2 ) had a court date 3 ) served me at an address that I had n't lived at for several years nor that I had the right to dispute. Lastly, I had a clear title to the vehicle that they are claiming to be collecting on.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

I have been monitoring my credit as I getting ready to purchase a home. As of XXXX XXXX XXXX I noticed that the XXXX XXXX Child Support Enforcement hit my credit for XXXX plus points on my XXXX XXXX and other reporting agencies. I 've tried to dispute on XXXX XXXX, it did nothing. These are dating back in XXXX. I have n't been late on Child Support in 5 years, as I 'm ordered to make double payments. When I contacted the XXXX XXXX Child Support Enforcement office, they informed me that XXXX gave it to XXXX to handle. XXXX hit my credit for god only knows what reason. It needs to be removed immediately and both XXXX and XXXX should be investigated.
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MA)

I have contacted them to remove multiple accounts from my credit report and they have not yet. It has been over the time limit and they still refuse to remove them. There are accounts on my report that are from XXXX, and the dates on some of them say the last payments were made in XXXX and that is not correct. I only used these cards for a year at the most which would make them closed in XXXX. And that would mean they are XXXX years old. And I do not know why they changed the dates to XXXX, maybe to keep them on my report longer, but that still would make it XXXX years on my report even if it was from XXXX. 
The accounts are XXXX XXXX XXXX credit card accounts, XXXX household bank credit card accounts, an express account, an old XXXX 's XXXX account ( not the new XXXX ). And XXXX or XXXX other ones. I think the total is XXXX accounts that are supposed to not be on there and I 've asked numerous times for them to remove them without any luck. 
Please can you assist me in having them remove this from my report? 
Thanks XXXX
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

I have had nothing but trouble with equifax. I have disputed so many times and had items removed and put back. I can not get my credit score without paying but XXXX XXXX keeps denying a limit increase saying equifax says my score is XXXX which is quite a bit off my other scores and seems wrong. I now years ago I got information about equifax getting in trouble for practices and I was supposed to get something out of that and never did. I want the issues fixed and a proper score and explanation why.
Consumer complaint received 2015-10-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NJ)

I had a checking account with Chase. I had had a bunch of unauthorized transactions against my checking account resulting in Chase charging me over {$200.00} in overdraft fees. I have part of my paycheck direct deposited in my account but when I went to check my account Thursday XX/XX/XXXX my checking account was not listed online. Tonight I called Chase and was informed that they closed my checking account and that the only way to get my money was to go to a branch and apply for a new checking account. Otherwise I would have to wait 2 weeks for them to send me a check in the mail. I never asked them to close my account they just closed it on me. No notification was ever sent to me that they were closing my account as if I had known this I would have changed my direct deposit. They charged me over {$200.00} dollars for overdraft protection. So now here I am stuck without my money while Chase holds my money hostage.
Consumer complaint received 2016-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

Navient is making it extremely difficult for me to switch to the " repaye '' program that was made available to borrowers. My loans qualify. Currently I am on the income driven repayment that alows for XXXX % of Disposable income. Navient originally told me I would have to pay XXXX ( or whatever I could afford to switch ), when I called to switch I was placed on hold ( service rep ) spoke with supervisor who told her to tell me I am out of forbearance time and they would require a XXXX payment to switch me!? ... THey refused to switch me for XXXX ... Navient originally misinformed me of the possess to switch and then demanded more money for me to switch to a program I am entitled to. Sad this organization is permitted to mislead and use these deceptive practices. 

Thank you for taking the time to view my complaint.
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (CA)

Since XXXX I have been an account holder of a JC Penney credit card and since XXXX a Care Credit account. I have never been in default or delinquent since being a card holder. Even in a time of unemployment XXXX I made the minimum payment. I became employed in XXXX of XXXX, and still paid on time and used my credit card wisely. Although it has been a struggle living pay check to pay check I am a responsible card holder. JC Penney I had a XXXX credit card limit But in all the years as a card holder my balance remain manageable around XXXX. Care Credit was used in putting my ill dog to sleep and saving my cat 's life with emergency surgery. I have also used it to purchase my contact lenses. ( I have paid down a the XXXX balance I owe at the time of those XXXX emergencies involving my dog and cat ). During the period of unemployment I incurred unsecured debt for survival as many Americans like myself. I took steps to save my home and now to settled on some credit cards to start over. I enrolled in a Credit Card Settlement program XXXX out of XXXX XXXX California. ( I have already settled on XXXX credit card account ) OF course this action to settle XXXX of credit card debt affects the Credit Score. So my score dipped from XXXX to XXXX. On XXXX XXXX, and XXXX XXXX I received XXXX separate letters from SYNCHRONY BANK XXXX referring to my JCP account and the other Care Credit that due to my credit score and delinquencies they were lowering my credit limit on the credit cards. JCP up to {$100.00} to my balance and Care Credit in half. I feel these actions reflect a false impact on my credit score. Giving the appearance that I am in default or UP TO MY CREDIT LIMIT on both cards which I am NOT. The letter states " they are basing their decision on my entire credit history not solely your history with SYNCHRONY BANK ''. These actions I feel are unjustified and Have nothing to do with my other credit card account in the debt settlement. Further I feel that SYCHRONY BANK by these actions is putting my health at risk and my pets health at risk by constraining my use of my Care Credit account. Since, I am a XXXX enrollee I rely on this card for EYE CARE, DENTAL CARE AND PET CARE. JCP, after 36 years I can no longer shop at this department store after SYNCHRONY BANKS damaged my relationship by giving the appearance I am UP TO MY CREDIT LIMIT!!. I HAVE Done nothing wrong. SYNCHRONY BANKS action is totally unethical. PLAYING with people 's lives and their livelihood. I am not in default and Have AS A Consumer I feel that SYNCHRONY BANK is not serving in the best interest of customers. It sole purpose is deceive and gain monetarily off the backs of hard working customers. I expect restitution and restoration of my credit limit on both accounts.