davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

XXXX has taken over the loan management after I enrolled in the PSLF program. Since enrollment the customer service has been incompetent and inconsistent. I enrolled in a part-time masters program and they loans were placed in deferment. I have been attempting to remove the deferment for 4 months. Each person I talk to gives me different instructions on how to do this. I uploaded the requested paperwork to remove the deferment. I received a mailed letter stating the deferment was removed, but then 2 weeks later received an email that the deferment was back in place. I want to continue paying my loans on schedule but the servicer is preventing me from doing this. The wait times are usually very long on the phone. I have attempted to use online contact channels as instructed but never receive a response.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I previously submitted a complaint for Equifax not reporting my credit score properly. That issue was resolved and miraculously they added XXXX points to my credit score when the changes at that time we're to account balance is going up. Now once again they show me paying off a card and one card increasing for less than the amount of the car that I paid off and they drop me XXXX points again. I had to submit a complaint before and after the second complaint they resolve this issue but now the issue has returned. There is no logical reasoning that I pay off an account and my credit score decreases but I use a card in the amount due on those cards increase in my credit score increases. There is something clearly wrong and Equifax the system when it comes to my credit reporting and this needs to be completed and fixed immediately. THE ISSUE IS EQUIFAX IS IMPROPERLY REPORTING AND SUBJECTING MY SCORE TO INVALID POINT DROPS WITH NO EXPLANATION. OR THE EXPLANATION IS A NEGATIVE ACCOUNT REMOVAL AND PAYING DOWN CREDIT BALANCES RESULTS IN A NEGATIVE POINT DROP!! THEY NEED TO FIX THIS NOW. I have called several times to no avail again. So I am hoping that you can assist with a resolution. And ONCE AGAIN THEY THE COMPLAINT WAS CLOSED SAYING THAT THE ITEMS IN MY REPORT ARE CORRECT. I AM NOT FILING A COMPLAINT ON THE ITEMS ON MY REPORT. EQUIFAX IS IMPROPERLY REPORTING MY SCORE. THERE IS POINT DROPS WHEN POSITIVE THINGS HAPPEN. AND THERE IS A 50+ POINT DIFFERENCE BETWEEN EQUIFAX AND THE OTHER 2 CREDIT COMPANIES. This is the second time this has happened. Last time I had to submit 2 complaints as well because they claimed they had resolved the issue and they had not. EQUIFAX IS IMPROPERLY REPORTING MY CREDIT SCORE NOT THE ITEMS ON MY REPORT. At this point I am starting to feel targeted and discriminated against. My score needs to be properly updated!!
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CA)

I was scammed by a XXXX ad on XX/XX/21. Supposed to purchase a XXXX generator for {$110.00}. Never received it. Scammer gave a tracking #. USPS investigated ( Case # XXXX ) and said whatever was sent ( I'm sure it wasn't a generator ) went to XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/21. This is a residential address which has nothing to do w/me. Paid thru XXXX using Chase credit card. Opened a complaint w/ XXXX ( XXXX ) and w/Chase ( XXXX ). XXXX informed me that since I had disputed the charge w/Chase they were halting their inquiry. Chase informed me that they had judged the purchase valid because " the merchandise was sent to the location agreed to by you and the merchant ''. This was a lie. I called Chase and asked how they knew this and was told that " the merchant had suppled that information ''. So Chase took the word of a criminal scammer over their customers. Outrageous.
Consumer complaint received 2019-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Both complaints filed, received the same reply from TransUnion. It does not matter how much they think they are right. They are still in violation of the FCRA. They can not arbitrarily determine or report a score that is not consistent with information, complete or incomplete on my credit report. Simple as that.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

I received an alert that IC systemXXXX XXXXXXXX put a collection from XXXX XXXX on my credit reports for {$910.00}. I never had XXXX XXXX. I never received any bills or collection notices from this company. According to the FCRA, credit reporting must be legal, and notices are supposed to be sent before submitting anything to the credit bureaus. This collection is illegal and fraudulent. Again, this isnt my mine. I never had XXXX XXXX. I dont even have this company in Pennsylvania XXXX
Consumer complaint received 2022-03-03
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. (AR)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-17
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 — Was not notified of investigation status or results
Company: ERC (FL)

I sent disputes regarding a delinquent account and never received a response from Enhanced Recovery Company, it has been over 30 days. My FCRA/FDCPA rights have been violated for failure to respond in a timely fashion and failure to delete inaccurate/erroneous information! 

Date Opened : XXXX is not reported ; XXXXXXXX is XX/XX/2018 ; and XXXX XXXX is XX/XX/2018. 2 different open dates how is that possible Please explain?? 

Payment History Profile fields are inconsistent and inaccurate They have all failed to report accurate and complete information on my credit file after several disputes. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a home loan because of this account and would like this matter resolved as soon as possible. I would like this account deleted while it is being properly investigated. They negligently and willfully violated the FCRA by failing to properly investigate the dispute or review the letters that were submitted. 

also upon further research this company has over 500 complaints on CFPB and multiple complaints with the CFPB Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX  is still reporting a balance on a settled account to Equifax. 
The account was settled nearly three months ago and should have been updated by now. 
This is making it difficult to secure a loan and hurting my credit scores.
Consumer complaint received 2021-08-17
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)

I am not a third party, Im making a complaint against Equifax, XXXX and XXXX, I demand they remove the late payment from the XXXX XXXX XXXX account, they are reporting a late payment for the month of XX/XX/2021, I have disputed the late and they refuse to remove it. I demand they remove it. On XX/XX/2021 I received a letter from XXXX XXXX XXXX that I was not late. I made all my payments on time. No late payments. XXXX is reporting the account as negative because of the late payment which is incorrect. I demand that all three credit bureaus remove late payment and negative.
Consumer complaint received 2021-12-28
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. (IL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-08-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (NV)

I received a notice dated XX/XX/2022 in XXXX from XXXX XXXX XXXX regarding an alleged debt. 

I called XXXX to dispute the debt on XX/XX/2022, but the representative could find no reference to the alleged debt even when I provided the reference number. 

I then disputed the debt via certified mail on XX/XX/2022. Tracking showed that certified mail was received by XXXX on XX/XX/2022. 

I received no response until today XX/XX/2022, when a new company, TrueAccord, attempted to collect the debt via email. They made no mention of my dispute. TrueAccord 's email did not make it clear what their affiliation is with XXXX XXXX XXXX and whether or not they are one and the same ; therefore, because TrueAccord attempted to collect the debt without providing the requested proof ( a request which was received over 60 days ago ), I am reporting both companies.
Consumer complaint received 2022-04-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

On XX/XX/2022, I opened a new checking account with Citibank in response to a promotion being offered by the bank. The promotion promised a {$700.00} bonus for new customers who opened a checking account and deposited at least {$50000.00} into the account within 20 days. Additionally, customers are required to keep the money in the account for 60 days. 

When I opened the account over the phone, the Citibank representative took the account and routing numbers for a checking account I hold with another bank, and indicated that a withdrawal from that account in the amount of {$51000.00} would be made in time for me to qualify for the promotion. I had decided to deposit slightly higher than the required amount. 

Perhaps a week later, I noticed that the withdrawal had not been made. I called the new accounts department, where I was told the withdrawal was being processed and would be complete shortly. About a week passed, and the withdrawal had still not been made. I called new accounts again and was told the same storywait a few days and the withdrawal will be complete. 

On the morning of XX/XX/2022, when my account still showed a balance of {$0.00}, I called Citibank relations, and spoke with XXXX, a supervisor in that office. She told me the reason the {$51000.00} had not been withdrawn and deposited into my new Citibank account was that Citibank had not finished setting up the account. Further, XXXX indicated that the promotion might no longer be honored because the account was not funded within 20 days. This is the case, even though it was Citibank 's job to execute the withdrawal. 

I have closed my account with Citibank, but I still thought the bureau should know about my experience, and I appreciate the agency reaching out to the bank to investigate. I believe Citibanks actions raise questions of fraud and whether the bank is engaging in unfair and deceptive trade practices.
Consumer complaint received 2019-03-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc. (DE)

On XX/XX/XXXX I received a notice of collection from Amcol Systems ;  located at XXXX XXXX XXXX XXXX SC XXXX. I sent a letter on XX/XX/XXXX notifying them that the debt is in dispute and to cease collection efforts, until the debt is validated. I subsequently contacted by phone requesting that they send me a breakdown of the charges to which this debt is associated. I never received that information. I then contacted the original creditor XXXX and asked them to send me the breakdown of charges. I then received another bill from XXXX for a bill which included the total charges and no breakdown of the charges. I attempted for months to dispute the collection and the collectors ability to put this on my credit without validating it's accuracy. But I received no assistance from the credit bureau 's or the original creditor as to the breakdown of charges. It is my belief that the collection company has illegally continued to collect on a debt which has not been verified, after they received a notice to cease collection. This has been done by putting it on my credit report, thereby damaging my credit and potentially forcing me to pay it off in order to receive a loan from future lenders. After waiting for the bureaus and the collection company to provide me with the breakdown of charges, I then contacted the original creditor and requested a breakdown from them again. During that phone call with XXXX at XXXX she said they don't out a list of charges but that they were only general line item charges by category. I then pressed her for an itemized bill with all the charges, she was reluctant but then said she would do it. I received the itemized bill with all the charges on XX/XX/XXXX. I have still not gone through the itemization to see if the charges are all valid and correct, but yet the collection company has ruined my credit without any validation of the debt. Per section 809 of t '' the fair Debt Collection Practices Act '' the debt collector shall cease collection of the debt ... Until the collector obtains verification of the debt or any copy of judgement. Having put a collection account on my credit before validating the debt ( upon being notified ) is braking the law. I want the collection removed from my credit, until the debtor or collector has proof of the validity of the debt by judgement of a court.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I made a payment to XXXX in the amount of XXXX $ and a second charge for XXXX which both showed as posted to my account til XX/XX/XXXX. I purchased a car and until the delivery date of my car the funds had to be held on the Merchants end and they refunded me on XX/XX/XXXX on date of delivery. I look at my chase account to show a ATM credit which showed about 10 mins after my call with XXXX. I wake up on XX/XX/XXXX to look at my account and boom no XXXX ATM credit and no XXXX charge on XX/XX/XXXX on my statement no longer I have receipts for XXXX that shows when I made the deposit and when it got released. I contacted chase multiple times they told me first that it seems as if the money was returned to the merchant due to a BANKING GLITCH I called XXXX which they stated no it shoes on our end we released the hold the money should be in your account and I should definitely contact chase back. I contact chase again to tell me that my money first went back to the future and was giving back to me on XX/XX/XXXX when that would be impossible because they never released the hold until XX/XX/XXXX. I asked to speak to a supervisor that was rude and told me that she doesnt know what Im speaking about because she doesnt see a charge or a credit on there end therefore it never happened. Poof my transaction disappeared and so did my XXXX . They said theres nothing they can do because they never charged me the XXXX $ and it was never taking from my account and theres no record of such. How would that be possible if I got a ATM CREDIT the day prior for the transaction being released. I have included photos and receipts and call logs with both said companies time stamped
Consumer complaint received 2021-11-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-11-02
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Consumer complaint received 2021-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hauge Associates, Inc. (IA)

I put in a previous complaint but Hauge Associates sent me a letter stating they will try to charge blue shield. But i stated clearly that i am covered by medicare not XXXX XXXX. I had XXXX XXXX back in 2020. They are using false information that will get the dispute revoked. Hauge Associates are scammers.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Millco Management (NY)

I filed a dispute in regards to accounts on my credit report that do not belong to be. It has been beyond 30 days and I have not received any results regarding my investigation.
Consumer complaint received 2019-03-26
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PARKSIDE LENDING, LLC (CA)

I have contacted XXXX XXXX and Parkside Lending in regards to load number ****** for the property address ****** XXXX, XXXX XXXX, CA, XXXX. 

This loan has been recently transferred from Parkside Lending to XXXX XXXX  XXXX in the month of XXXX. I would like to firstly note that I have not received any notification whatsoever from both XXXX and Parkside Lending about this change. 

Additionally, I also see that XXXX account reports 3 payments due for the months of XXXX, XXXX and XX/XX/2019. I paid the XXXX and XXXX payments to Parkside Lending. Please find the monthly statement for XXXX from Parkside Lending which shows no statement balance, and also my monthly statements which show 3 payments made to Parkside Lending ( for XXXX and XXXX ) out of which I had to revert one due to duplicate payments processed. 

I reached out to both XXXX and Parkside Lending in regards to this in the past one week without much success to get this resolved. I can only pay my XXXX payment due when : 1. I receive my monthly statement from XXXX 2. I receive a transfer notice from Parkside Lending and XXXX 3. My outstanding balance due is fixed at XXXX. 

I would appreciate your help expediting this request to correct the balances.