davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IN)

They were very rude and told me that the Chapter XXXX will stay on for 10 years. I was told by my attorney that chapter XXXX was dismissed and it was 8 years ago and that the credit breporting Equifax is to remove it after 7 years. I called Equifax and they refused to remove it. XXXX and XXXX removed it last year. This is preventing me from getting a home loan.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX   and Experian has reinserted a collections account that was deleted 6 months ago from my credit file. I was not notified that the collection would be reinserted or the reason why. This violation has made m y credit score dro p dramatically.  XXXX   XXXX  is the collection agency and the original creditor is   XXXX   XXXX   for rent. I have also disputed this collection directly with the  XXXX  credit bureaus and has heard nothing back.
Consumer complaint received 2016-03-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (TX)

I have had this student loan since XX/XX/XXXX and have been paying without missing a payment since I left school. I filed bankruptcy in XX/XX/XXXX, and this account has been listed as account included in bankruptcy, bankruptcy discharged. I have never failed to pay on this loan, and have filed a dispute with the credit bureaus at least 6 times asking that the account be reflected as open and paying on time. Time and time again I have been told that the information is correct on my credit report and to contact the company, who continue to state that student loans are n't dischargable, that my credit report is right, and have continued billing me. I have continued to pay this entire time because of fear of how my credit could be even more negatively impacted, however I recently submitted a copy of my recent credit report showing that this account is being listed as a negative account with no payment history to the servicer, and was sent an email message that they needed a copy of the credit report, which I had already sent them and was in their possession. This, other than the bankruptcy is the only blemish I have on my credit history, and I believe it has negatively impacted my ability to obtain credit, qualify for lower rates, and hurt prospective jobs, which is unacceptable as I have been meeting my supposed financial obligation.
Consumer complaint received 2016-01-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (FL)

I have a private loan from XXXX school in XXXX that I placed in deferment when I returned to XXXX in XXXX after several years of working and repayment on the loan. I received notice that my deferment would be ending on XXXX/XXXX/XXXX, five months prior to my graduation date. I called the servicer to extend the deferment through my graduation. 

AES advised they were unwilling to extend my deferment despite verifying my enrollment as a full-time student. AES advised that my grace period would cover me through graduation though. I explained that it was not helpful because I want my grace period to end six months after graduation not one month after graduation, because of taking the XXXX and finding employment. 

AES then advised it was n't a big deal and I could just do a forbearance after the grace period for the additional months. I explained this was not an acceptable resolution because I do n't want my loan to go into forbearance when it should be in deferment and grace period. There are negative ramifications to a forbearance and I feel they were misleading when I should be eligible for deferment. Clearly an attempt to unfairly deceive in-school students out of their grace periods.
Consumer complaint received 2015-10-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (IN)

I attended XXXX University in XXXX XXXX, MI. My first loans were through AES and while I have XXXX other private lenders and XXXX federal lender ( XXXX total ) AES ( American Education Services ) has given me nothing but grief. I am recently unemployed and called them while my account was in good standing to hear my forbearance/deferment options. The person I spoke with told me XXXX of my XXXX accounts could be put on forbearance which would bring my bill to XXXX dollars less a month. I filled out all the paperwork as well as my co-signer and it 's been well over a month with no answer. I have called every week and each time I get a different answer. First it was wait a while longer until it goes through. Now it 's nothing was ever processed b/c you have no forbearance available. So obviously I was told wrong information at the beginning, have been run around in circles, and now I am 2 months late and they are hounding me every day. I have busted my back to work with them and figure this out and this is definitely not the first time I 've had issues with them. They are rude and give me the run around. They are by far the worst loan company I 've ever had the displeasure of working with. Thanks for any help you can offer.
Consumer complaint received 2016-08-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

Dear Sir, I XXXX based on my exceptional services to XXXX Government rendered through my job in XXXX XXXX XXXX XXXX XXXX. I XXXX on XXXX XXXX, XXXX. 
I received terminal benefits after working for more than 22 years in XXXX XXXX. I used the terminal benefits cheques to open a checking account in Sun Trust 's XXXX XXXX branch in XXXX XXXX. I started working with XXXX based XXXX XXXX XXXX in XXXX and deposited my monthly compensation cheques in the same account. 

I rendered contractual services to XXXX-based XXXX XXXX XXXX in XXXX XXXX, XXXX. I obtained re-entry permit from XXXX to stay XXXX to perform my services in XXXX. 

The account was a joint account in my name and in the names of my wife - - XXXX XXXX XXXX and my son - - XXXX XXXX. My son is XXXX XXXX XXXX. We maintain sufficient balance in our account. 
Our Joint checking account ( Signature Advantage ) number is XXXX. 
Both I and my wife jointly hold a money market account in the same branch of Sun Trust Bank. The number of our SunTrust XXXX XXXX is XXXX. 

On XXXX XXXX, Sun Trust Bank decided arbitrary and without citing explicit and sufficient reasons to close all Bank accounts. You are requested to investigate the matter and ask Sun Trust Bank to cease from causing irreparable damage to all the joint account holders. 
As a regulator, I repose my faith in your intervention in the interest of customer who is powerless in front of a big Bank. Your assistance in this regard will help to protect customers from exercise of such powers by Banks like Sun Trust. In my case, I will suffer irreparable damage as I do not have any other Bank account in XXXX.
Consumer complaint received 2023-02-05
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. (VA)

My personal information was exposed in the Equifax, XXXX XXXX and XXXX data breach. And on XXXX/XXXX/22, I recognize a account that was open without my permission that I would like removed from my Equifax and XXXX credit report.
Consumer complaint received 2016-09-26
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: NIC, Inc. (AZ)

In XXXX or XXXX of this year I visited a XXXX clinic in XXXX, Arizona. I presented my insurance card and paid my co-pay but never received a bill. Approximately two months later and with no further communicatoin I received a letter from Nemo 's Collections for an unpaid balance that I was never contacted about. I called Nemo 's the same day and paid in full with a credit card. I also told them I never received a bill. It is now 6 months later and my credit score reflects an unpaid bad debt for which I was never billed. Both XXXX and Nemo 's Collections have behaved unprofessionally and acted in bad faith regarding this debt. This derogatory information should be removed from my credit file immediately and XXXX/Nemo 's Collections should be warned regarding their unprofessional behavior. 

XXXX XXXX XXXX.
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Between XX/XX/XXXX and XX/XX/XXXX, my identity was stolen and was used to open an account with XXXX and with XXXX XXXX XXXX in XXXX at a fraudulent address I lived and continue to live in XXXX XXXX, Florida, although at one time I did live in XXXX. In addition, there were many many hard inquiries made using my information. I did not realize this until XX/XX/XXXX when I tried to get a loan and was turned down by my own bank of 31 years. My very good credit rating has been ruined. It has cost me XXXX of dollars in interest and I have spent many, many hours in the past 6 months trying to resolve these issues with all 3 credit bureaus. Equifax continues to report a XXXX address which is fraudulent and continues to report hard inquiries on my report despite my calls, letters, and on-line disputes.. I have filed a police report with both the XXXX County Sheriff 's Dept and with the XXXX XXXX Police. In addition, I have filed a complaint with the FTC and with Florida Attorney General 's Office.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (NV)

Back in XXXX I would constantly get hit with fees after fees. Then towards the year of XXXX they took {$2000.00}. They were supposed to dispute the charge and did not because I had all the proof of the fraud. They are crooks and I would like my {$2000.00} back, plus all my ridiculous fees!!!
Consumer complaint received 2017-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

Navient short changed me of {$15.00} on the second refund check, it should of been {$190.00} but got {$170.00} instead. called them spoke to  XXXX  she told me there was a IRS filing fee and I told her I was not to be charged anything. Kept getting the run around with her, hung up and contacting you an d Washingtons Attorney Generals  office.
Consumer complaint received 2017-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

For the last XXXX to four years I have tried and just last month to get Equifax ( etc. ) to correct XXXX credit reporting. Although, these loans have been consolidated and finally paid off with XXXX- Just last month showed XXXX. XXXX XXXX XXXX with a delinquent paid of loan with monthly payment of over $ XXXX. and the total loans back to gross amount despite that I am a XXXX going on fifteen years with loan reductions- Note : Never late as they were under forbearance/deferment as any of my loans all show current. I have 'no ' payment at this time and there are and will be further reductions. Please, assist my dispute report I had XXXX ; without corrections and now they show me at XXXX. 
Respectfully, XXXX XXXX
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

Back in XX/XX/2016 I sent a certified letter disputing some things and i received the green card back on XX/XX/2016 and they sent me a letter asking me to show my identity I sent it in certified and i received the card also and i called them and they are saying that they did n't get any of my information but i received the XXXX stated that They had gotten the information. And in XX/XX/XXXX i called and spoke to another Representative and she open up a new despite and i did not approve of that. And now i called back to speak with a supervisor on XX/XX/2016 about what is going on and now they have put on things that i have destitute in the past from a year ago and this has affected my credit report in a negative way.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NJ)

Equifax has refused to release my credit report via annual credit report, XXXX XXXX, and other credit monitoring sites. I have no way of tracking it and seeing what is inaccurate on there. This is not right and needs to be taken care of. At first I thought there was a fraud alert so I sent in a letter to remove it but it still is blocked.
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (CA)

MY NAME IS XXXX XXXX AND I AM FILING MY SECOND COMPLAINT AGAINST DISCOVER CARD. AFTER NUMEROUS GOOD FAITH LETTERS AND FIRST COMPLAINT, I RECEIVED A FORMAL RESPONSE AND A PHONE CONVERSATION WITH XXXX XXXX IN THE CUSTOMER ADVOCACY DEPARTMENT. DISCOVER HAS FILED A LAWSUIT AGAINST ME THROUGH XXXX LAW FIRM. DISCOVER CARD IS IN VIOLATION OF FCRA AND FDCPA. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies AND FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1962e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. MY FIRST LETTER OF FORMAL DISPUTE WAS MAILED OUT XX/XX/2016 AND WAS FORMALLY DELIVERED THROUGH CERTIFIED MAIL XX/XX/2016. XXXX XXXX CLAIMED THE FIRST LETTER WAS RECEIVED XX/XX/2016 WHICH IS NOT CORRECT AND I HAVE PROOF. SECOND THE DISPUTE LANGUAGE WAS NOT ADDED TO MY CREDIT REPORT UNTIL AFTER I FILED MY COMPLAINT WITH CFPB. ACCORDING TO XXXX XX/XX/2016 IS WHEN THE DISPUTE LANGUAGE WAS ADDED TO MY CREDIT REPORT AND ACCORDING TO XXXX XX/XX/2016 IS WHEN DISCOVER REPORTED THEM OF A DISPUTE LANGUAGE ON MY CREDIT REPORT. LAW SAYS IT HAS TO BE 30 DAYS FROM THE TIME THE DISUTE LETTER WAS RECEIVED. DISCOVER CARD IS IN VIOLATION OF FCRA AND FDCPA.
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

After paying down debt to reduce my debt to credit ratio, Citibank N.A. reduced my consumer credit line from {$4000.00} to {$1900.00} causing a debt to credit ratio INCREASE which negatively impacted my consumer credit rating and consumer credit scores with ALL major consumer credit reporting agencies. 
Up to XX/XX/XXXX, my Citibank N.A. line of credit for my Home Depot credit card was {$4000.00}. On XX/XX/XXXX, 4 days AFTER Citibank N.A. received my {$2500.00} payment, Citibank N.A.  reduced my XXXX XXXX XXXX Credit Card line of credit to {$1900.00} thus causing my debt to credit ratio to increase from 38 % to 83 %. My Citibank N.A./XXXX XXXX XXXX credit card credit reporting payment history is immaculate/on time/never late across all three credit reporting bureaus since XX/XX/XXXX. On XX/XX/XXXX,  at approximately XXXX CST, I was told by a Citibank N.A./Home Depot Credit Card Services representative ( XXXXXXXXXXXX ) that a " periodic '' account review was done which caused my credit line to be decreased. For the record, my XXXX, XXXX and XXXX consumer credit reporting scores were HIGHER than they were when I was granted the initial {$4000.00} line of credit - ATTACHED XXXX CREDIT REPORT FROM XX/XX/XXXX. I received letters from Citibank N.A. stating their decision was based on information from XXXX ... In addition to consumer concerns with using XXXX given what was transpiring with XXXX  during the timeframe of this incident, this is not only false representation it 's also malicious intent at the hands of Citibank N.A. I am a subscriber to a daily consumer credit monitoring service ( ATTACHED XXXX CREDIT REPORT FROM XX/XX/XXXX ) and there is NOTHING on my XXXX credit report that substantiates the claim from Citibank N.A.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) as well as FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers - Information Available to Victims 609 ( a1 ) ( e2 ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate. 
2. ACCOUT NAME : XXXX ACC BAL : {$100000.00} This account was charged off listed with wrong balance please delete error 3. ACCOUNT NAME : XXXX ACC. BAL {$1700.00} no proof of contract collection trans error please delete. 
4. ACCOUNT NAME : THE XXXX ACC BAL : {$73.00} I have never done business with this company error please delete.
Consumer complaint received 2023-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/XXXX I made a payment of {$900.00} to my Gapcard account via the XXXX XXXX XXXX  bill pay website. The {$900.00} payment is clearly shown on my XX/XX/XXXX credit card statement. My XX/XX/XXXX statement reflects my balance minus the {$900.00} payment that was made XX/XX/XXXX. My XX/XX/XXXX statement shows {$900.00} added back to my balance listed as " Adjustment-Payments ''. I called the company and spoke to a customer service rep who seemed very confused and stated I should call back if the issue did not resolve in the next billing cycle. The next day I spoke to a more helpful rep who agreed the Adjust-Payments charge looked odd and opened a case ( XXXX XXXX ) on my behalf. She informed me it could take up to two billing cycles to correct the issue. I received a letter in the mail from Barclay 's Gapcard dated XX/XX/XXXX referencing my case number. The letter stated my inquiry had been resolved and that my next billing statement would reflect the correction. There was no contact information listed on the letter and it simply stated to call customer service with any issues. My XX/XX/XXXX did not show the {$900.00} applied to my balance and I called customer service again. After giving my case number and explaining the letter I received the representative told me the issue was with my bank and that I needed to contact XXXX XXXX XXXXXXXX. I contacted XXXX XXXX XXXXXXXX and received confirmation that a representative from the bank had spoken to a Gapcard representative and the outcome was that they confirmed receipt of the {$900.00} payment and no late fees were charged to my account. My XX/XX/XXXX and XX/XX/XXXX statements still did not show the {$900.00} credit and when I called again a representative told me their investigation into my case is on-going and the issue seemed to be with my bank. Again I contacted XXXX XXXX XXXXXXXX and received a response stating a bank rep confirmed receipt of the payment. My XX/XX/XXXX and XX/XX/XXXX still show a balance and I have yet to see the {$900.00} payment clearly credited back to my account.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

Someone tried to open at XXXX XXXX XXXX, on XXXX/XXXX/XX/XX/2015, the next day XXXX sent me notice that on inquiry was made at equifax. I contact the following XXXX, XXXX XXXX XXXX and was told to file a dispute with equifax. I did so on XXXX/XXXX/XX/XX/2015, they replied on XXXX/XXXXXX/XX/2015. Stateing that " & gt ; & gt ; & gt ; We have reviewed the inquiry information for XXXX XXXX XXXX. The results are : Inquiries are a factualrecord of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questionsabout this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX ''. As stated before I have already contacted them and was told to contact them. 
I want the unauthorized request removed from my file.
Consumer complaint received 2016-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

There is a legal item under public records on my equifax report and it says " satisfied judgement '' I have absolutely no knowledge of this judgement and i have never paid anything to even make it qualify as satisfied. I reported this judgement as inaccurate and equifax did absolutely nothing about it and its bringing my score down completely. I was never informed of this judgement not have I ever paid it. That public record file needs to be removed from my report immediately.