davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

I started qualifying employment for public service loan forgiveness in XXXX of XXXX. According to NSLDS, my Direct Subsidized and Unsubsidized Consolidation Loans were disbursed on XX/XX/XXXX and I went into repayment on that same date. Since that time, I have made on-time qualifying payments every month for a total of 110 qualifying payments on each loan. This mean I should be required to make only 10 additional qualifying payments in order to obtain forgiveness on the remaining balance due. 

My FedLoan Servicing account indicates I have made only 70 qualifying payments on the Direct Subsidized Loan and only 71 qualifying payments on the Direct Unsubsidized Loan. 

I submitted requests to FedLoan Servicing online to ask someone to look into this issue on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have received automated confirmations that my inquiries have been received. However, I have not yet received actual help.
Consumer complaint received 2023-08-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023, I receive a phone call from XXXX XXXX XXXX. This number is a number for J.P. Morgan Chase. 

The person calling said my debit card had been used in Arizona and they needed to verify thst this use was unautorized and gather other information to cancel that card and issue a new one. I answered their questions. 

Shortly after, a series of withdrawals in the amounts of {$200.00} and {$140.00} were made from my savings account. I did not make these withdrawals. I immediately called Chase and they said my money would be refunded and that a claim was being filed. They said they would shut down the card immediately and said they would send a new one. 

The following day, XX/XX/XXXX, I noticed another series of withdrawals from my savings account. I called Chase again and reported the charges. They said they would be depositing the funds back to my account ( This mever occurred ) and that they were filing a claim and issuing me a new card. 

I spoke with Chase today, XX/XX/XXXX, and they said the first claim ( for the charges in XX/XX/XXXX ) were denied and the the claim from XX/XX/XXXX is still pending.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (KY)

I opened an XXXX XXXX account on XXXX XX/XX/XXXX. A promotional offer was advertised : {$100.00} would be credited 30 days after receiving a direct deposit of over {$500.00} within 60 days of account activation. I received a payroll deposit from my employer on XXXX which fulfilled the terms of the promotion. 

{$100.00} was not credited after 30 days so I sent a secure message inquiring about the promo status. On XX/XX/XXXX, two representatives replied that the terms of the offer were different from the advertisement : " Please be advised that customers who acquire an ACE Flare account at participating stores and enroll in direct deposit within 60 days of the account creation date and receive a qualifying direct deposit of at least {$500.00} for the next three months can receive a {$50.00} or {$100.00} credit in account, to be paid out within 30 business days of the last qualifying direct deposit. '' and " Please be informed that the promotion is if Cardhholder will receive a minimum qualifying direct deposit of at least {$250.00} for the next four consecutive months can receive a {$25.00} credit per month for 4 consecutive months to their account, for a total of up to {$100.00}, to be paid out within 10 business days of each qualifying direct deposit. '' These are not the terms of the advertised offer. I replied stating that I would file a complaint if the offer was not honored and was escalated to a senior representative at XXXX who upheld previous statements. 

The web page for the original offer has been removed : https : XXXX The page contents were preserved by Archive.org and can be seen here : https : XXXX : XXXX
Consumer complaint received 2023-08-19
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. (GA)

COMPANY : XXXX XXXX XXXX # XXXX has been reporting multiple different dollar amounts owed to different credit bureaus. The total amount owed and the initial amount owed have been reported inaccurately. I disputed the account and the investigation was verified as accurate by all three credit bureaus. But as I will show you it is surely not accurate. it actually is filled with inaccuracies. This company has reported one balance of {$5900.00} to XXXX and reported {$5800.00} as a balance to XXXX. The company also reports XXXX different names of the company XXXX being XXXX XXXX XXXX, the other being XXXX XXXX XXXX XXXX and the other just XXXX XXXX. All of these inaccuracies are proof that the investigation completed by the company made to protect my information and verify it as accurate has failed In accordance with the FCRA XXXX  account 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 states that a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2019-11-20
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: I.Q. DATA INTERNATIONAL, INC. (WA)

Reason is the amount owed is not valid. the unit that we were renting had serious issues with Mold and we had to move because of your young child and the health risks associated with this. We were let out of our lease, they must have made a mistake in calculating that any monies are owed to them as this is false. We are prepared to hire an attorney and file a lawsuit against them if it comes to that. For now, we would request that they put in a request to remove this account from our credit reports.
Consumer complaint received 2019-11-20
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (NC)

Without my express written or verbal consent XXXX XXXX XXXX  altered the name listed on my account. The name on the account is incorrect. They subsequently sold the account to Discover Financial Services. This account contained the wrong information, leading to the wrong information on my account.
Consumer complaint received 2023-08-21
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: Resurgent Capital Services L.P. (NY)

Disputed an item on my credit XXXX removed it. XXXX and XXXX did not, and when i sent a letter on why it wasnt removed they added it back on to my transunion. if it was removed all three should of removed it not add it back.
Consumer complaint received 2019-11-20
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. (AL)

XXXX XXXX place made me a Loan in XX/XX/XXXX the payments were set up to be deducted automatically with my permission by XXXX. The money was always available but in XXXX the company reported we were delinquent and continue to report 60 to 90 delinquencies we questioned this with the company and in XXXX we learned XXXX was not licensed to do business in Alabama from your Attorney Generals Office. 
This incorrect and negative reporting continues to impact my credit reports During the initial complaint Alabamas Attorney General was not able to contact XXXX all correspondence were returned undeliverable. 
If XXXX was taking out the payments how could they be delinquent.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NJ)

I received a letter from Citi XXXX XXXX  XXXX XXXX XXXX, SD XXXX stating that I was incorrectly charged XXXX on my citi cash returns world master card account and that I would be receiving a check in that amount in 14 days. The check did not arrive in XXXX so I called and was told it would be taken care of within 2 weeks. The check did not arrive within 2 weeks so I called again and was given the same message. By early XXXX the check still did not arrive so I called and asked for a supervisor who assured me that the check would arrive in 2 weeks. It is now  XX/XX/XXXX and there is no check. The 800 number on the letter and credit card is XXXX XXXX XXXX.
Consumer complaint received 2023-08-19
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-20
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. (UT)

XXXX  XXXX XXXX  # XXXX and XXXX XXXX # XXXX are double reporting on my account. XXXX   XXXX  was sold to XXXX XXXX  but they are both on my credit and reporting a balance. This is in violation and it needs to be removed.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX  XXXX XXXX  # XXXX and XXXX XXXX # XXXX are double reporting on my account. XXXX   XXXX  was sold to XXXX XXXX  but they are both on my credit and reporting a balance. This is in violation and it needs to be removed.
Consumer complaint received 2019-11-20
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. (CA)

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2020-03-06
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$950.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$55.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$1800.00} In good standing XXXX XXXX XXXX XXXX XXXX  Reported :XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX{$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1500.00} Closed XXXX  XXXX, XXXX. 
Reported : XX/XX/XXXX {$950.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$0.00} XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX Reported :XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX   Reported :XX/XX/XXXX {$0.00}
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC (FL)

I received a credit alert that I had a delinquent account, and it was showing up as such on my credit report. I immediately paid the debt, afraid that it was something I truly owed. Once I paid the debt, I contacted the company to inquire about the debt, as I had not had an account with them for 6+ years. The company was XXXX  ( the internet/phone/cable provider ), who said I owed them for past due amounts. I never received any letters or requests for payment in the 6+ years that had passed between my account being closed at my request and the debt being put on my credit. Once someone with XXXX  looked into the matter, they admitted that I should never have been charged and it was an error on their part, they would be issuing me a refund. It took 2+ months to receive my refund via Visa prepaid card. Another 9+ months later, I bought a new car. This delinquent account was STILL showing as delinquent on my credit report, although the debt was paid, XXXX  admitted fault in ever reporting it, and refunded my funds to me. I have since tried contacting XXXX  multiple times with no avail. I am constantly told someone will call me back, but never receive a call. At one time, the debt collection company explained they would release it once they received written confirmation from XXXX  to do so ; however, it has been WEEKS and XXXX has not yet provided proof of anything.
Consumer complaint received 2018-10-14
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. (GA)

I sent a complaint through the CFPB regarding accounts on my credit that were not mine. There are still accounts that said was verified that it belongs to me and that is not a true statement. I demand proof that these accounts are verified as mine with signatures and agreements. I have been wrongfully denied credit for this unacceptable mishap on the credit bureau for reporting this incorrect information. Please have the follow items removed from my credit report immediately or I will have no other choice but to seek legal advice. I have tried all I know to resolve this. The accounts that are not mine are : Equifax : 1. XXXX XXXX/XXXX  XXXX XXXX  Account Number:XXXX 2.XXXX/XXXX  Account Number : XXXX 3.XXXX XXXX Account Number:XXXX XXXX  : 1.XXXX XXXX XXXX  Account Number : XXXX 2.XXXX XXXX   Account Number:XXXX 3.Chapter XXXX bankruptcy dismissed ( Which was removed from XXXX and Equifax so please prove to me how XXXX can say several bankruptices are mine and the were removed by the other two bureaus ). I have never filed for bankruptcies. 

Please have all these items removed from my credit report immediately.
Consumer complaint received 2019-11-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I XXXX took out a Parent PLus Loan for {$25000.00} in XX/XX/2005. I my uncle XXXX XXXX was co-signer. The student was XXXX XXXX. The servicer is Navient. MY son was never a a co -borrower he was the student. HOwever NAvient has attached the loan to him.. IN XXXX we called Navient as their action is negatively affecting his credit as I have become XXXX and will be seeking relief. I advised that he was never a co-signer and asekd that original documents be sent to me, They were and clearly showed he was not a signatory. However a second set of document were sent to him and this was differed ans showed a signiature not made by him and dated XX/XX/2005 whic corresponds to the dae of dsibursement and validates that no such signiature could have been made since the loan app was in the hands of the lender at that eime. I need the attadhemt of this loan to my son removed so as not to harm his credit any further
Consumer complaint received 2019-11-20
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: ALLY FINANCIAL INC. (IN)

I have an Ally Invest account. This account was hacked at some point. On XXXX XXXX, 2019, the hacker sold my stock shares and then transferred money to an Ally Bank account in my name. This bank account was opened by the hacker but the owner is in my name. The hacker ( named XXXX XXXX ) was trying to transfer money from there to himself. ( This hacker also attached my other accounts at XXXX XXXX, XXXX XXXX, XXXX, but all those frauds have been settled quickly. ) I found this hacking activity on XXXX XXXX, 2019 and informed Ally Invest the same day and got back control my account briefly and then the account was locked up by Ally Invest. Since XXXX XXXX, 2019, I do not have access to my account. 

On XXXX XXXX, 2019, an Ally bank agent phoned me and told me the bank account would be closed because it was opened illegally and the money ( total {$6100.00} ) would be sent to me by an official check. So far I have not received anything. I urgently need my money back. But the lady handling this case keeps playing tricks with me, first said on XXXX XXXX, 2019 that she was verifying the official check with XXXX XXXX XXXX, and on XXXX XXXX, 2019 said the check was sent to my address. But so far ( up to XXXX XXXX, 2019 ), I have not received anything. 

This poor customer service of Ally Bank is totally unacceptable.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I disputed items on my credit report with XXXX  and Equifax and they sent a response stating that they investigated my dispute however they failed to provide me documentation showing that they did an investigation. they stated that they asked the furnisher of information and they confirm or stated that the debt belong to me. 
I then requested that they send me the Method of Verification and i only received another letter stating that they verified what i was disputing. they keep sending these generic letter and not doing what the law requires. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify- though the physical verification of the orginal signed consumer contract - any al all accounts they post on a credit file. otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

Accounts from XXXX  that I want method of verification done and written verification in the way of a contract are : 1 ) XXXX  XXXX account # XXXX 2 ) XXXX  XXXX account # XXXX 3 ) XXXX XXXX XXXX account XXXX XXXX Accounts from Equifax that I want method of verification done and written verification per Section 609 ( a ) ( 1 ) ( A ) and written verification in the way of a contract are : 1 ) XXXX  XXXX account # XXXX 2 ) XXXX  XXXX   account # XXXX
Consumer complaint received 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX account # XXXX In accordance with the law, I sent the attached letter to creditors in order to confirm the debt my credit report say I owe. They were unable to verify this debt they say I allegedly open. Since the alleged creditor were unable to verify your credit bureau could not have verified this item. 
Im asking that you remove all references to this account from my credit report within thirty ( 30 ) days Sincerely XXXX XXXX Also here is a video of the copy of letter I sent certified mail.
Consumer complaint received 2018-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

XXXX XXXX XXXXXXXX is attempting to foreclose on my home with fraudulent robo-signed assignments. We were in the process of working out a modification while at the same time, PennyMac was publishing a sale date for my home. This is by definition a situation of Dual Tracking - please investigate.
Consumer complaint received 2023-07-31
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX