davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (MD)

regarding a bussines acount with suntrust bank. i deposited a check on XXXX, and funds were credited to my account. middle of XX/XX/XXXX, my deposit was reversed. the amount for my deposit was deducted from my account along with fees. there after i started to recieve letters stating that i was being charged with forgory and bank fraud resulting from the deposit i had made on XXXX, and are asking for the funds to cover the reversed deposit again. they included a phone # to call to dispute their claim. i called the # several time, and i was informed that no one in the fraud department could talk to me. they closed my account, and charged me for the returned check deposit again along with fees. i now can not open a bank account resulting from this. i have been at my branch several times and spent several hrs and can not get a resolution.
Consumer complaint received 2020-08-18
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: LEXISNEXIS (MS)

Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I initially thought that the ORIGINAL creditor which is the bankrupty court was the one reporting this INACCURATE information to lexis nexis but they responsed to me that they do NOT VERIFY this information with the credit reporting agencies are third party such as lexis nexis
Consumer complaint received 2017-03-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (CA)

There was identity theft and my identity was compromised. 
I have filed for a police report and the FTC identity theft victim affidavit report, and copies have been forwarded to this bank Fraud and Claims department. 
Discover Card did not address this issue, and this is a claim filed per Federal Trade Commission, a file putting in complaint dispute with credit institution on debt collection and mitigating loss incur by XXXX of " ALSO XXXX '', " ALSO XXXX '', " ASLO XXXX '', XXXX '' and Discover Card. 
Payments were made and reversed by above mentioned company " ALSO '' using my identity information and accesses my account to fraudulently reversed payments and embezzled.
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (CA)

Did not like the way Discover.com has handled and determined to reverse the credit on a disputed charge by XXXX XXXX XXXX. A copy of my letter of intent to continue dispute lodged with Discover.com is below : I deny I ever viewed, received or agreed to the terms on the alleged documents posted by Discover Card in said dispute. I viewed and agreed to a different set of documents that did not include a trial or additional charges. By this notice I intend to continue this dispute with XXXX XXXX XXXX. There is no proof I agreed to the terms alleged. I have also notified the Federal Consumer watchdog agency, CFPB and the FBI of the outrageous nature of XXXX interstate business practices. XXXX XXXX XXXX_____________________Signature Date : XXXX XXXX, 2015
Consumer complaint received 2015-12-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK (IL)

I graduated from XXXX University in XXXX this past summer and my student loans have come into repayment. I was able to find a full time position, outside of my field of study making $ XXXX a year. My Discover private student loan principal is $ XXXX making the payments on those alone over {$1700.00} a month. I am currently on the reduced payment plan but it only lasts 6 months, after this period defaulting looks like it could be my only option. Thus far, Discover Student Loans has been ridged and unwilling to offer any sort of long term solutions to make repayment of the loan affordable.
Consumer complaint received 2016-02-10
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Weber & Olcese, PLC (MI)

I was not working when receiving a judgement from a credit agency, Weber & Olcese. They then sent a bank garnishment then failed to send the letter until I called and requested it. The balance was XXXX. They are now charging me XXXX I offered them XXXX, they will only take XXXX or will go after my bank and or wages. They wo n't let me pay small amounts or have a smaller settlement. Very rude, harsh, harassing and hard to deal with.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (KY)

US Bank ( US Bancorp ) sent checks I ordered to my ex-husband 's house despite the fact that they know my current address and all my mail and my mortgage is for my current address. I have not been able to find out where those checks are. The people at the old address said they sent them back. US Bank fraud department said they were sent to the branch, the branch says they were sent back to the printer and destroyed. The fraud department said I should close down the account and open a new one. However I have all my bills, credit card bills and mortgage on autodebit with that account with the missing checks. If I close it I could get late fees and other penalties the could adversely impact my credit. I also do not have time to reestablish autodebit with XXXX utilities, insurance policies, credit cards, mortgage companies etc.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

My Equifax credit report has an account that I have no knowledge of, as well as a collection account for the above account. I have disputed this account for two years and have gotten no where with the creditors, collection agency, and the credit bureaus. The account in question is XXXX XXXX XXXX, and the collection agency is XXXX XXXX. Both companies are reporting an address that is not my residence, in fact it is about XXXX miles away. The address that is reported is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I want any and all accounts, connected with this address deleted. I do not reside there, nor do I receive mail there. I have asked for validation with my signature on several occasions, and had never received validation for these accounts. Please have these accounts removed immediately.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

I 've responded to Equifax by faxing my information they requested on XXXX XXXX, 2016 four different times to the fax number of XXXX and XXXX. I followed up on the matter and received no resolution. I spoke to a XXXX from the office of consumer affairs on XXXX/XXXX/16 and was rudely talked too and loud talked to the point, I could n't get a word in and got hung up on. I 've followed up again on XXXX/XXXX/16 and received the same rep and received the same level of service and got hung up on again. I totally feel discrimated and mistreated by the office of consumer affairs and its employees.
Consumer complaint received 2020-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

The XXXX credit for XXXX was received by me and cashed but that account is still missing a XXXX credit for XXXX $ that still I don't receive. Because that account ending in XXXX had a balance of XXXX $ when it closed. And you only send me XXXX XXXX Please review this matter and we try to resolve this matter, and please notify me of info on the remaining XXXX $ / that is still not here! Thanks Chase needs to also reject mine and my wife 's IRS stimulus checks since but was sent there and my account should be closed!
Consumer complaint received 2015-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (DE)

XXXX has a charge off listed on my file. They showed it as having a XXXX balance in XXXX with a paid balance and then a {$28000.00} balance in XXXX. We filed a complaint with several government entities. I disputed it with the XXXX credit bureaus. The Fair Credit Reporting Act ( Sec. 611 ( a ) ( 1 ) ( A ) says : In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I disputed this item in XXXX and the credit bureaus left it on the file. THERE IS NO BALANCE ON THIS ITEM.
Consumer complaint received 2015-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

Describe what happened so we can understand the issue ... 
I was client from XXXX XXXX XXXX XXXX, were I took a loan to purchase a vehicle in XX/XX/XXXX. 
My payment were always paid on time. Later in XX/XX/XXXX XXXX XXXX XXXX XXXX, were underinvestigation from the XXXX County Prosecuting office for money laundering. XX/XX/XXXX, a company called XXXX XXXX, contacted me via phone explaining that they 've purchased the right to collect the remaining balance of my loan which it was a little over {$9000.00}. They also explained that two payment were never received by XXXX XXXX XXXX XXXX, in the amount {$1000.00}. I spoke with XXXX XXXX, and explained that my payments were up to date, and they refused to accept my receipts to show proof of my payments. I was still in communication with XXXX XXXX, to forward proof of my payments via fax. While in communication they dispatched a tow truck company a week later to repossessed my vehicle in the middle of the night. This was XX/XX/XXXX. My kids XXXX gifts were in the vehicle and XXXX {$1.00} XXXX silver coins, given to my sons as a gift from their grandfather which were stolen from inside of my vehicle by the tow truck company together with my kids XXXX gifts. I contacted XXXX XXXX, in the morning and they said if you do n't pay the {$1000.00} we will put the car in a auction. The tow truck company charged me {$750.00} for over night storage which the vehicle was only there for less than 5 hours. While trying to recover my vehicle in the morning I was forced to pay {$1000.00} + XXXX totaling {$1800.00} dollars. I recently checked my credit report, and found a negative nonpayment and delinquent report.
Consumer complaint received 2016-03-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ZENCO COLLECTION, LLC (TX)

On XX/XX/XXXX @ XXXX CST I received a call from XXXX XXXX who transferred me to a XXXX XXXX XXXX Zinco Collection Agency . Not sure of the exact spelling. I advised I needed to call him back after XXXX today. I called back at XXXX and asked for XXXX XXXX , another gentleman answered. XXXX XXXX then got on the line and explained I owed {$9600.00} for a XXXX XXXX opened in XX/XX/XXXX and closed in XX/XX/XXXX. I stated I never had such card and advised him he was mistaken. After @ 27 mins conversation he finally stated he recorded our call towards the end. I told him that was not legal and he should have advised this in the beginning. I asked for a XXXX # he never provided it. When XXXX XXXX initially called me she said she was calling on Case # XXXX. She did not state anything else and transferred the call. I never had a XXXX XXXX. XXXX XXXX also had personal information SS #, former and current residence addresses. Threatened to cease all bank accounts effective XXXX on XX/XX/XXXX. I again explained I would need to find an attorney to dispute the charges. XXXX XXXX became offensive and continued to state my accounts would be ceased effective Wed XX/XX/XXXX. My concern was his knowledge of information and his " collection methods '' I asked for written documentation to be mailed so I could validate the alleged debt, he clearly indicated he could not provide such, he was only here to collect the debt! This is unprofessional and uncalled for. I wanted to submit an official complaint for 1 ) a debt that was not mine 2 ) the methods used, 3 ) harassment on the phone 4 ) etc..
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (OR)

I am writing to dispute the following information in my file. I have been trying to obtain my credit score since I was XXXX years old, but have been rejected by XXXX banks due to my unique mononym name XXXX. It is my birth given name as filed on the Civil Registry and as seen on my enclosed birth certificate, on my Oregon Driver 's license, Passport, and my Debit Card at XXXX XXXX XXXX XXXX. On XXXX XXXX, XXXX, I joined the Bank `` XXXX XXXX XXXX XXXX '' and got a secured credit card which later became a regular card on XXXX XXXX, XXXX. I was told that after one year, I would have a credit score. 


I have Given now MULTIPLE times to ALL the Credit Bureau 's ( Equifax , XXXX, XXXX ) all of these enclosures. Oregon Driver 's license, Passport, Credit Card Payback History, Social Security Card, Birth Certificate, supporting my position. Please reinvestigate this these matters and correct the disputed items as soon as possible. 

I attached a New Document showing how The Problem was Never addressed and Gave me the ( Run Around Yet Again )!!! 


Equifax never sent me anything like they said, and what I was TOLD by You! Please have them Contact me! 

XXXXXXXXXXXX Please for the Love of God, Help Me!!!! I 'm XXXX years old and I Need this for my Life! I have all of the Proof to obtain a Credit Score Yet, No One is Helping me Out, and I have No where Else to Go. Please Help ME! 

Sincerely, XXXX
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WI)

I filed a complaint against XXXX XXXX XXXX with CFPB and XXXX apologized and agreed to correctly report my account. Dispute # XXXX. Equifax continues to report the account incorrectly and needs to just remove the improperly reported account from my credit report.
Consumer complaint received 2017-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

Equifax violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-09-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (WA)

None of the security questions Equifax asks apply to me - the answer is always None of the Above, and then they say that 's wrong and I am unable to obtain my credit report or file a dispute on an item I know is in there. ( I can see it via XXXX XXXX. ) There are tons of other reports of this exact thing ... It seems like a deliberate barrier that Equifax is putting up.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

EQUIFAX reinserted a closed account in which I have no account agreement or signiture showing agreement to account # XXXX. On report it shows XXXX balance and XXXX due. 
I have no knowledge of such an account.
Consumer complaint received 2022-08-04
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. (MO)

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX XXXXXXXX Balance : {$440.00}
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

1. XX/XX/2017 I disputed everything on My Credit Report with Equifax Requesting Physical Verification of Claims. 
2. Today is XX/XX/2017 and i still havent received a completed Response from online, email, phone, or mail, its been 32 days. 
3 I have attached online snapshots of there Business Practice along with my Dispute letter and my Identification. 
4. Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Upon review of my annual credit report, I noticed incorrect information on my reports from both XXXX and Equifax. It was a collections account for a place called XXXX, a business which I had never been to, or contracted for services with. My initial dispute with both companies was on XX/XX/2016. XXXX deleted the incorrect information right away, but Equifax said that it was my debt, and did not delete it. I sent a XXXX dispute letter to Equifax on XX/XX/2016, explaining that their initial decision was incorrect, and asking them to provide me with the method of verification used to justify their decision, and also to provide me with a copy of the verifiable original contract for services with XXXX XXXX of XXXX with my signature on it. Equifax has failed to produce a copy of a contract for XXXX XXXX of XXXX with my signature on it, so according to the FCRA Section 611, this information must be deleted.
Consumer complaint received 2017-04-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

Private Loan PAST DUE {$1600.00} Since  XXXX    XXXX   I have struggled with making payments of {$210.00} to Navient due to financial hardship. I became unemployed  XXXX    XXXX   when a teaching contract ended and started working as a substitute teacher making half the amount I was previously {$1100.00} a month. I tried to get certification as a regular teacher and failed so there was no pay increase. Left over unemployment checks and forgoing some other bills enabled me to pay up until  XXXX    XXXX   but I became delinquent in other areas. I was forced to go into a repayment plan for my credit cards and I had no one that could help me wit h Navient. I spoke with Navient reps every month until now stating, I do not have the money because I barely make enough for my rent {$680.00} and car payments {$380.00}, I also had to go on food stamps. They told me to just ask family which is extremely unprofessional. Navient would not provide any financial hardship programs and insisted their repayment plan would only go down to {$190.00} even though when they c alculated my income it was clear I could not afford it. I advised many times that I was trying to get a new job with no luck, but I was either mocked, yelled at or hung up on. I received a letter certified mail that my account will be transferred to a legal team and enter litigation on  XXXX / XXXX /  XXXX  . Today  XXXX / XXXX /  XXXX   I received another call from Navient, a rep suggested I sell my car or not pay the car payment so I could pay Navient. I stated if I do n't pay for my car I do n't ha ve one. They also stated they do not understand how my other bills are current as if I am choosing not to pay them. I told the rep, I was not making the payments on time and had to play catch up when the accounts became too delinquent. They admitted that my record shows I was making auto payments regularly until a few months ago. I replied yes that 's when the lower pay started to really effect my funds, I even asked my car financer for a month without paying as a promotion. It was a one time promotion for being a customer for 2 years. Navient stated they could only notate my account.
Consumer complaint received 2015-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (NY)

I rented a apartment from XXXX XXXX XXXX XXXX in XXXX in XX/XX/XXXX. After a few months of residing there, I have to move back to XXXX in XX/XX/XXXX. So I terminate the lease and pay the penalty which is {$5800.00} the remainder of the balance owed. Then in XX/XX/XXXX I got a call from XXXX XXXX saying that I owed them utility bill of a hundred and fifty something dollars. I call the utility company XXXX and ask about the charges and was told my account is paid in full and has been closed. Then I call XXXX XXXX and told them about my account standing with the utility company but they insist I owed them monies. so I ask for proof of bill but nothing came. After a while I start getting calls from the collection agency " XXXX Pro-Collect ''. I explained to them what happen but was told to sent in proof. I did by regular mail but still got calls from them on my cell phone. Then I spoke to a XXXX XXXX from the agency and she told me they did n't receive any mail from me. I proceed to sent them a registered mail this time but calls continue coming in. I call the agency and ask why are they still calling me and was told they are waiting for reply from their client but at the meantime they will keep calling. Then the last thing I know my credit report has a negative collection report.
Consumer complaint received 2015-09-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

Key Bank approximately two years ago while setting up a refinancing of my mortgage suggested I open a checking account with points to get benefits from moving my money from other banks to Key Bank. Currently it was brought to my attention by my Key Bank branch that I am not collecting reward points from my checking account. I asked my branch to look in to this. They suggested going back to the original location that I set up my refinancing and my checking account ( XXXX XXXX in XXXX NY ) I spoke with XXXX XXXX XXXX Vice President of the branch. He said he would look in to it. Now several weeks later and XXXX voicemails later and also a call in which XXXX said he will get back to me in 1 hour never happened and no resolution has been made. I would like a dollar amount total of money I moved through my account and the equivalent of the point value added to my account.