davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

My application for Public Service Loan Forgiveness was recently denied. I learned that the reason was because XXXX XXXX refused to count my XX/XX/2018 payments because I was supposedly in past due status. Upon investigation, I learned the following : In XX/XX/2018, XXXX XXXX kicked one of my student loans out of auto debit, which I had not requested. When I learned that this loan was kicked out of auto debit, I began paying that amount each month until I could get it back on auto debit. Rather than applying that to the amount due, they instead applied the extra payment evenly across all loans, pushing that one loan into past due status and all of my other loans into paid ahead status. 

I did not know that this happened and could not figure out why the XXXX XXXX website continued to alternately tell me that I was paid ahead and past due, sometimes giving me both messages in the same day. 

I called several times in XX/XX/XXXX and XX/XX/2018 to resolve this. The customer service reps informed me that I was paying the correct amount, and that there was nothing past due on my account. 

When I applied for Public Service Loan Forgiveness, I learned about the misapplied payment. I have requested that they reapply the payments to take care of the discrepancy, since I have now made a variety of extra payments to try to resolve this discrepancy. One of the customer service reps informed me that it would take 10 days to reapply the payments and that at that time I could request re-evaluation of my Application for Forgiveness. However, it has been weeks now, and they still have not resolved it. I have had to continue making payments during this time. Another customer service representative informed me that they are unable to give me an accounting of how my payments have applied and that I have to cite the exact excluded payments that I want to appeal. That is hard to do absent that type of accounting that shows which payments counted and which did not. 

Please assist me in resolving this matter. I greatly appreciate your help. Thank you.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

It took an abnormally and absurdly long time to get my Equifax security freeze lifted. In the end, instead of a temporary lift, I opted for a permanent lift because it was too hard to unfreeze my credit. I was unable to do it online, or by phone, at first. I tried by mail, but I was very uncomfortable sending my SSN through the mail. Eventually, I called again and got the freeze permanently lifted, but this experience was very draining and time-consuming. I hope no other people will have to jump through this many hoops to get their credit unfrozen, especially since I can provide all my previous addresses ( as a DMV resident and student, I move a lot ), my SSN, and all other personal info. The security questions asked on the phone were also too difficult, as a lot of my initial student loans were taken out by my parents and therefore I have little knowledge about them.
Consumer complaint received 2018-03-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Corporation (FL)

I'm writing in reference to a Debt collector on my credit reports that is not licensed to collect in the state of Florida. I've tried reaching out to the collector via mail with no response. This company is in direct violation of Florida Consumer Collection Practices Act ( CCPA ) states the FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Receivables Management Corp. in XXXX, SC does not have a license to collect in the state of Florida. They can not collect on a debt. Receivables Management Corp. is in direct violation. This will be my last communication I send before sending evidence to the State 's Attorney General office.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MD)

I made an online purchase for a painted replacement car hood using my debit card on XX/XX/XXXX in the amount of {$860.00}. When the shipment came it was not the correct item. I tried to resolve this with the merchant by phone and email. Per the merchants request, I sent an email to the merchant describing the issue with pictures comparing their item to my existing hood demonstrating they were different size and shape. The merchant never replied to the email to acknowledge the mistake and they stopped answering my calls and messages. 

Around XX/XX/XXXX I turned to my bank PNC to dispute the charge. I filed the dispute within their allotted timeframe. I filled out their online form and later I received an email asking for more information. I replied with a detailed description of the issue including a copy of the email transcript I had with the merchant asking me to send side by side comparison pics of the items ( an email that they did not reply to ). 

I received a letter from PNC dated XX/XX/XXXX stating we determined no error occurred and that the transaction ( s ) was processed as instructed. You have the right to request the documentation we relied on in making our determination. I called PNC to request this documentation and after calling 8 times to reach someone and being transferred to many associates I finally spoke with a woman who told me I will be honest with you, the only other way you can handle this is through a court because all we tried to do was retrieve the funds and the merchants dispute was that the transaction happened as planned. She also told me that there was no documentation of the investigation to give. XXXX previous associates I spoke with also said there was no documentation. 

My problem is that if any real investigation occurred it took place in a perfunctory manner and the bank did not honor their policy to refund such purchases where an item is clearly incorrect and the merchant is not cooperating. Also they refused to give me documentation of the investigation which has hindered my case against the merchant with the Attorney General in that state. The merchant is telling them that my bank, PNC, sided with them. It has been 9 months and I have not been made whole financially in this matter. I will again attach receipts, email transcripts and pictures showing the merchant painted and sent the wrong item ( even thought it was in the correctly labeled box ).
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2018 I attempted to temporarily remove an Experian credit freeze so I could get new utility service to my home. I tried to do this on-line but the web-site kept crashing when I submitted the form. So I tried calling... but there is no option for this. It says there is but when you spend 15 minutes on the phone maze it does allow you to do it on the phone - it instructs you to go to the website. I tried the website again and, although this freeze was placed on because I was hacked in the XXXX breach, Experian wants to charge me to remove the freeze. Its online blog says I don't have to pay if I was hacked but I can not remove the freeze unless I pay. Oh, and I tried to cheat my way to a live person and when I got to a place where it said PRESS 1 TO SPEAK TO A REPRESENTATIVE, I was told the wait was more than an hour. I think they have just found a way to make 143 million people pay {$5.00}... that could mean up to {>= $1,000,000} in their pocket.
Consumer complaint received 2022-08-01
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

After my loan was transferred from XXXX XXXX XXXX to Rushmore Loan Management, they would not accept any payments onto my account. I was advised to fill out a loan modification packet which I did and was denied. A denial letter was mailed to me where it indicated the reason why I did not qualify for a loan modification. The income they calculated was incorrect as well as the additional identifying facts they stated were also false and incorrect. I appealed the denial letter and Rushmore Loan Management refused to respond to my appeal and failed to address the errors at hand. Also they never sent me a notice allowing me an opportunity to reinstate the past due amount. There letter stated that I was not eligible for a modification because I failed to send proof of the good faith payment however, they never offered me any good faith payment or discussed any amount to send.
Consumer complaint received 2018-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america wants me to verify dual citizenship in order to use online banking.I have been with bank of america for over 25 years and I feel the bank is trying to do the job of our immigration dept. they already have my social security number and phone number and address.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I have been blocked from getting into my Experian account in order to place a new credit freeze. I was able to login and unfreeze it in order to sign up for a new credit card in XX/XX/year>. Since then I can not get back into my account and I am getting emails from Experian addressed to someone named " XXXX '' suggesting my account has been hacked. I am able to change my password but end up a in dark web pattern that prevents me from getting into my account. I end up on a page that says : " Sorry, there was an error.Click here to sign-in if you already have an account.Do n't have an account? Learn more about our services. 
Call us toll-free at XXXX Hours of operation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' However, there is no way to talk to a live person. Experian holds my most sensitive data and they do not have a customer support line to speak to a live person and none of the automated phone calls lead anywhere helpful. 

It is very unnerving to have a company that holds my MOST sensitive information and security card number and have no recourse in the event of an account hack, being blocked from getting into my account and put my credit freeze back when everyone 's social security numbers have been breached. 

When I got so fed up and thought the only option was to just cancel the account, the automated system sent me to another automated system and the word " Cancel '' was not even understand - so there seems no way to cancel an account that I'm concerned has been compromised. I have not tried sending them a letter in the mail because I have no faith anything would come of that wasted time based on my experience online.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Omega RMS, LLC (NV)

On XX/XX/XXXX I submitted a complaint to CFPB ( complaint : XXXX ). That complain has since been closed, however the information I requested in feedback has not been provided by the company, Omega RMS. The company responded to the complaint and I provided feedback. In my feedback I requested proof of the information in the company 's response but have not been provided that information. 

I am disputing the " placed for collection date '' as well as the " client date last paid '' that is being reported to the credit bureau by Omega RMS. 

According to the information I received from the original creditor, XXXX, and the last payment was made XX/XX/XXXX. I have requested multiple times for all information from Omega RMS including proof of the last payment and that information has not been provided. I have only been provided the information that was attached in the initial complaint. Furthermore, the " placed for collection '' date is incorrect. Per the original creditor, XXXX, the placed for collection date is XX/XX/XXXX. Omega RMS is reporting XX/XX/XXXX as the placed for collection date which is not accurate. 

The original creditor, XXXX, also confirmed the account was charged off XX/XX/XXXX. Omega RMS in their response to the initial complaint stated they are collecting on behalf of XXXX XXXX, however the account had been charged off by the original creditor and they are no longer pursuing collection on this account. Omega RMS is attempting to collect on a debt that they purchased ( XX/XX/XXXX XXXX from a 2nd party collection agency ( XXXX ) that is no longer in business and also not pursuing collection on this account.
Consumer complaint received 2021-05-07
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)

I want to bring into your notice that on XXXX XXXX I disputed with Equifax credit bureau the inaccurate information included in my credit report, but over 41 days now and still, there were no changes or any improvements in my file. I would like to stress out that unproven accounts must not continue to appear in the report as per the law. Also, Section 611 ( a ), definitely stated that a failure to investigate the negative items within 30 days gives a reason to immediately remove the item from my credit report.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Hello Cfpb, I recently filed a complaint towards Citibank and on XX/XX/XXXX they responded to the cfpb report XXXX they responded back stating no funds are owed to me. I had over {$5000.00} in my bank account and on XX/XX/21 citibank withdrew and took my money out HOWEVER THEY ARE NOT STATING WHERE THEY SENT THE FUNDS BECAUSE THEY ARE CLAIMING THEY DO NOT PWE ME MONEY HOWEVER THE MONEY THAT WAS IN MY ACCOUNT BELONGED TO ME. Citibank has took my money and they are NOT TELLING ME WHO THEY GAVE THE FUNDS TO SO I CAN OBTAIN THE FUNDS FROM THAT COMPANY. I do not owe anyone money and Citibank closed my account and on XX/XX/21 adjusted the funds BUT THEY ARE NOT GIVING AN EXPLANATION AS TO WHO/WHAT THEY SENT THE FUNDS TO. I have called them several times and the case officer XXXX was supposed to contact me to inform me who the funds were sent to however they are not cooperating. THEY ARE NOT BEING CLEAR AS TO WHAT THEY DID WITH MY MONEY THAT WAS IN MY BANK ACCOUNT PRIOR TO THE CLOSURE. I do. OT OWE ANYONE ANY MONEY AND THE MONEY THAT WAS IN MY ACCOUNT {$5700.00}. CITIBANK IS CLAIMING THE AMOUNT OF {$5700.00} is not owed to me WHEN IT IS OWED TO ME BECAUSE THAT IS MONEY THAT BELONGED/BELONGS TO ME. Citibank has my money and they are not informing where/who they gave the funds to. I NEED TO KNOW THE {$5700.00} who it was sent to BECAUSE CITI CLAIMS THAT MONEY IS NOT OWED TO ME. There previous response does NOT SPECIFY THE ANSWER I AM SEEKING. All citibank is stating is no money is owed to me. That money belongs to me and i need to know if the money is not owed to me then who is it owed to so i contact that individual to obtain my money!
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (SC)

ACCOUNT XXXX XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX . Any other times or methods like live calls or voicemails aint good for me.ACCOUNT XXXX XXXX plus other accounts you saying I'm oweing.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to formally request the blocking and deletion of the following accounts from my credit report, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be blocked and deleted : XXXX. XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries to be removed : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX. XXXX XXXX * Account Number : XXXX * Status : Late Payment * Account Number : XXXX * Status : All 3 agencies * Account Number : XXXX * Status : Charge Off * Balance : {$7300.00} * Account Number : XXXX * Status : All XXXX Charge Off XXXX. XXXX * Account Number : XXXX * Status : All XXXX XXXX XXXX. XXXX XXXX * Account Number : XXXX * Status : XXXX and Equifax Late Payment XXXX. XXXX XXXX * Account Number : XXXX * Status : Collection XXXX and XXXX XXXX. XXXX * Account Number : XXXX * Status : XXXX and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

Equifax refuses to provide me with my consumer credit FILE. Equifax keeps closing my complaints and responding with stall tactics. Equifax continues violating my federally protected consumer rights.
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Someone accessed my online Chase checking account and opened a fraudulent checking account under my name. This account was created in New York in XX/XX/2021, had correspondence sent to NY, and was hidden from my online banking homepage, so I was not aware it was opened. My address was changed to a NY address. I live in Florida and did not visit or authorize anyone in NY to do this. In early XX/XX/2021, I received a text to confirm if I had made a purchase. I replied " no '' and was told by the automated text reply I had already replied when I had NOT. This prompted me to login to my Chase account. This person fraudulently transferred {$5800.00} into the hidden account. They then withdrew {$3000.00} and then an additional {$1000.00} in NY as well as {$25.00} and {$12.00} withdraws. They then went to a XXXX XXXX in New York and spent {$1300.00}. I DID NOT AUTHORIZE ANY OF THESE PURCHASES AND DID NOT WITHDRAW FROM THE ATMS. I WAS IN FLORIDA, WHERE I LIVE, AND THESE FRAUDULENT CHARGES OCCURED IN NEW YORK. I called Chase and have done so multiple times since this occured and they have been no help. I went to multiple Chase banks to speak with advisors and little progress was made. I have been going to the bank to work on this since XXXX. Their staff has been of little help. I filed a police report which is attached. 
I have spent nearly two months now at Chase and on the phone with their customer service to no avail. Chase informed me their investigation showed no fraud occured. I appealed this, as fraud did occur. I had money stolen from me and DID NOT MAKE THESE TRANSFERS INTO AN ACCOUNT I DID NOT OPEN OR AUTHORIZE. On a letter dated XX/XX/2021 Chase informed me that my appeal had been denied. This is wrong. I never authorized the fraudulent account to be opened and had my money stolen from me due to Chase 's negligence of letting a criminal open an account in my name.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

Ally Financial is reporting a few late payments on my credit file. These lates are for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Ever since the pandemic started i have experienced hardship and it has been very hard for me to stay on top of my bills. I have made payments to the best of my ability and even notified Ally about this hardship. Now that I'm in a better situation i am trying to recover my credit to obtain financing and these lates are affecting my credit file tremendously. I am asking that Ally financial remove these late notations from my credit file. Making payments was completely out of my hands and it was due to the pandemic COVID.