davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  XXXX Balance : {$720.00} XXXX  XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2018-08-02
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. (CA)

XXXX is a company of XXXX and XXXX XXXX up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX XXXX XXXX, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell XXXX to refund my purchase. What Kind of a sellor Store vendor refunds, but does not notify their credit card? Then I try opening a login account with XXXX many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, Experian, XXXX, XXXX. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell XXXX. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, Experian, XXXX, and XXXX and cancel my debt with XXXX I will contact Civil Rights Commission and think about next step on how mortgage is denied. Frauders and liars.
Consumer complaint received 2018-08-02
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)

I called XXXXXXXX XXXX today XX/XX/18 to pay off my remaining balance of {$3500.00}. I was told that my payment couldn't be processed because they do not except Credit Cards nor Debit Cards. I was never told this prior to taking out a loan. The company says that they are non-profit but obviously they are profiting off of students interest rates. 

The person I spoke to gave me a sob story about how they have been burned in the past with stolen Credit Cards and that is why their policy is the way it is. Then later in the conversation she said well we never excepted Credit Cards nor Debit Cards ... misleading and lying to students doesn't really seem professional. 

I want to pay my student loan off, I have great credit, and a 0 % interest rate for 15 months. So what is the real reasoning for their idiotic policy? Tender is tender, why hasn't XXXX been introduced to the 21st century?
Consumer complaint received 2018-08-02
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. (TN)

I have autopay set up on my XXXX XXXX Lease account in the amount of {$400.00} per month. I Have most all of my bills set up on auto draft for ease of payment. I check my bank statements on my mobile app frequently, usually every day just to make sure everything looks good, balances, no fraudulent charges, etc. It was XXXX, 2018 that I realized that I don't remember seeing my XXXX XXXX autodraft lately, so I started looking a little more into and found that it hadn't been deducted for two months ( the only emails XXXX ever sent was saying my bill is available to view, which I don't find the need to login since it is on autodraft ). I immediately call XXXX financial and asked what was going on, she said ( to the best of my recollection ) that they had switched payment systems or it went down, messed up, either way, my autodraft was turned off. So I immediately paid the balance, and asked about the late charge on the account in the amount of {$20.00}. She said that since it was a mistake on their part that she would waive the fee. I was also concerned with my credit and she reassured me that it would not be an issue and wouldn't be reported since it was due to their mistake. All is well with the world and I go on with my business. Then, this morning, XX/XX/2018, I check my bank accounts as I usually do in the morning and randomly check my FICO score as I do every few months out of curiosity to find out the my credit score had dropped about 140 points. So fearing  fraud I immediately login into XXXX to find that the XXXX account was showing 30 days late on two consecutive months. Either way, I call XXXX XXXX   to dispute the issue, the gentleman noted our conversation and referred me to report with the CRAs. I also asked him if he could see the notes the last time I had called in to find out about the lack of payments being withdrawn. He said he could she where she removed the late payment charge as a fault on their end ( not sure what else she noted ). I then call the consumerfinance.gov number, the gentleman was helpful and referred me to this page to submit a request, walked me through what I should expect so here I am. I believe that is all the information and all I can remember at this time. I am sure I forgot something but attached you will find the XXXX XXXX statement showing where the late charge had been credited. Thank you
Consumer complaint received 2018-08-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

XX/XX/18- Is when I saw that my loan company is corrupted and it has been report on XXXX   XXXX XXXX , that they are dropping the loans from AES . I have AES, they will not work with me on forberance, on lowering my payment, they keep raising the payment and it is getting harder for me to pay. There was a time they told me I never paid them and I did so I had to pay them again. Another time they got my loan mixed up with someone else 's loan. My main issue is that they would not work with me so I can pay them back. My second issue is that now that they are all over the news I need help and guidance how to fix this issue. 

The XXXX XXXX  XXXX reported Monday that judges around the country have dismissed dozens of lawsuits against delinquent borrowers because the entity bringing the suitswhich purchased loans from other originating lenderscant produce paperwork to prove it owns the debt. Sometimes, explains student loan expert XXXX XXXX, such issues have arisen because documents have gone missing, particularly for older loans where actual hard copies were transferred. In other cases, he says, there are basic misinformation or data input mistakessuch as mixing up borrowers names or Social Security numbers. 

They also dont usually provide proof of the transfer of the individual loan from the bank to the Depositor to the Trust. 

American Education Services ( AES ), the loan servicer that manages XXXX XXXX debts. If youve gotten collections notices from XXXX or bills from AES, theres a chance XXXX XXXX holds your student loan.
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AZ)

Coinbase is a huge scam. I have provided all my documents they request to withdraw my funds and still I am not able to do so. Their system to verify the identity is a simple questionaree that never works. I have been tried to withdraw my money for 5 days now and still not able to. I have contacted their support three times as of today ( XX/XX/2018 ) and still just receive automated responses.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

On XX/XX/XXXX, I was provided a report from a background-checking company, on behalf of a potential employer. I was told that my report showed another person 's name, using my social security number. I was notified later that day, by an HR person at the potential employer, about the report, and she sent me a partial copy of the report via e-mail, which showed the other person 's name, address, and birth date. I was told I should contact the Social Security Administration, which I did, via phone. When I called the SSA, a representative told me I needed to file a police report. So I called the police and was told that without a report showing a specific crime was committed, I could not make a report. So I notified the background-checking company that I was getting the runaround from everyone. The person who ran the initial report on me sent me a report via snail mail. When I received it, I found numerous inaccuracies. I saw the person whose social security matched mine, on the report, and she is showing under my social security number since XX/XX/XXXX. She was born in XXXX. I also am showing on the report as having lived at an address from XX/XX/XXXX to XX/XX/XXXX, where I never lived in my life, although this address is showing with my name and social security number. In another part of the report, I am shown with a middle name of XXXX. My middle name is XXXX. I am concerned that this person who is showing with my social security number may be drawing Social Security XXXX using my social security number, which could lessen my retirement benefit. I can't get anyone to take this seriously or to give me accurate or useful advice on what to do.
Consumer complaint received 2018-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I C systems collection agency XXXX XXXX XXXX  XXXX XXXX XXXX, Minnesota XXXX contact number XXXX and XXXX Ext XXXX. I contacted them on XX/XX/2018 about the XXXX account reference number XXXX for {$230.00} to see why it is still showing on my credit and have not been able to speak with a person that can help me. The initial agent that I got on the phone gave me the above number and extension but I was unable to reach the extension without being disconnected. I called XXXX back and they verify a {$0.00} balance since I never used the services but are unable to assist because the debt was sold to IC SYstems. I need some assistance getting through and getting this item removed off of my credit.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (IL)

I recently signed up to check my credit reportings, and everything looks fine except for a hard inquiry from Chase bank. This seemed strange to me because I never applied for a Chase credit card or debit card for that matter, I've always had XXXX XXXX XXXX.

The inquiry is from XX/XX/2016.

I had a good amount of credit limit with XXXX XXXX XXXX so there would've been no reason for me to apply for a Chase card. I went into a Chase bank to get this resolved after I found out but they did not want to help me. I get that this is a 2-year-old inquiry, but I would like it off, I did not apply for one, and also this is hurting my credit score.

I also plan on getting a new credit card, which this Chase inquiry will hurt my score.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I have been disputing a Chapter XXXX Bankruptcy with Experian since XX/XX/18 and have sent multiple letters asking for verification and they have changed their sources several times. They in turn have noted on my credit report an address and phone number of a Bankruptcy Court to which I called and was told they never spoke to any representative from Experian and never would. Experian 's last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XX/XX/XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Experian 's claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance.
Consumer complaint received 2018-07-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Message to XXXX involves a mortgage from 5th 3rd, the problem that I'm having is back in XX/XX/XXXX I paid enough down on principle to wear PMI should have fallen off of the mortgage. I kept looking for about 3 or 4 more months the PMI or FHA insurance never came off of the mortgage, so did a little more research and I am told now that I have to write a letter stating the removal of PMI from my mortgage. I wrote the letter in XX/XX/XXXX and still in XX/XX/XXXX PMI FHA insurance is still on my mortgage it has not been needed since I reached the 20 % of loan total value from original fair market purchase price in XX/XX/XXXX. Why am I still paying PMI FHA insurance on something that hasn't been necessary since XX/XX/XXXX I should have been reimbursed or a credit towards principle.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

There is a collections account that originated from XXXX XXXX XXXX  The account was closed and sent for collections at the end of XXXX. The debt has been sold to a different debt collection agency by the name of I C System XXXX. XXXX XXXX XXXX XXXX, MN XXXX. They have started the collections date over as of XX/XX/XXXX for the amount of {$300.00}. I am under the impression that debt collectors can not restart the time clock on debts in collection and I would like this illegal action to be reviewed and taken care of.
Consumer complaint received 2018-07-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Rocky Mountain Capital Management (TX)

ON XX/XX/18 a man left a voicemail ( I still have it saved from the number XXXX stating that if I do not call him back, he would has someone come to my employment and have him served. He also stated that I needed to have two forms of ID on me at all time. I then got a phone call from a blocked number asking my wear about so I could be served. I told the man that I would not give him that information and he told me that he was headed to my job ( and then listed my employeer ). I told him that he could not call my job or come to my job, he called me a name and hung up on me.

I traced the debt back to Rock mountain Capital and XXXX XXXX. On XX/XX/18 I was told that They would not call me again and " they were sorry '' On XX/XX/18 I got a call from XXXX. the man stated that someone was headed to my job or my home to have me arrested for not paying this debt.
Consumer complaint received 2018-07-05
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Nelnet, Inc. (FL)

There two reporting negative from Nelnet which is incorrect. ALL of my student loans are deferred and All consolidated through the US DEPARTMENT OF EDUCATION. I do not owe nelnet they were bought out by the department of education
Consumer complaint received 2018-07-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

I have had various loans dating back to before Navient broke off from Sallie Mae. I currently have several loans from Navient that are private, and one that is federal. The private student loans are in excess of 13 % interest, and because I was unable to make some payments when down on my luck, I ruined my credit and can not get a refinance loan. I was approved for a federal income based repayment plan, which equates to about XXXX  dollars a month. However, the private school loan payments are in excess of XXXX dollars a month, putting my payments at XXXX dollars monthly. I have discussed with Navient multiple times that I can not afford to pay this amount and need it lowered, and was responded to every time with the only way is to do forbearance or go back to school. I went back to school as it was the only way to defer. I am currently back in repayment, while still enrolled in school and I know I still have two years left of in school deferment. I have called and tried, and still no one will help.
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (AL)

This ordeal started back at least 8 years ago. J. P. Morgan Chase offered me a loan modification ( during the time I was going thru a XXXX XXXX and death of my brother ). After they offered the loan modification, and after I filed all the necessary paperwork for a possible loan modification with Chase Mortgage, they illegally foreclosed the property, running away the tenant in the property. After I made several complaints, etc., Chase decided to purchase the property back from foreclosure. They did a reassignment including my name on the paperwork at the Courthouse approximately 4 years ago. For the last few years, they have been updating paperwork for the last 4 to 5 years. Recently, I was told that they could not do a loan modification for me. They told me my only choice was a short sale, or a deed in lieu. After talking with Chase, I agreed to a short sale. I am realtor, and I was planning to complete the short sale myself, then they came up with the idea that I can not be compensated for this transaction. After this, I asked to be compensated for all of the years of loss of income, all of the repair money that I invested into the property, and for Chase illegally foreclosing on the property. They have gone back and forth, and not agreeable to compensating me for anything.
Consumer complaint received 2018-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A. (NV)

Citi Bank showing consumers misleading information in the personal loan online process. 
They are showing a range of interest rates people might fall into and are not showing the interest rates consumers are actually being offered in the upmost ethical and transparent fashion. 

The pictures I have taken in the online personal loan process. 
The online process is very misleading. 
The pictures show I am at the tail end of the process and I still did not now the actual rate was. 

I am very curious to see if Citi is also using this range to over charge people interest. What makes this a possibility is my first time applying for a personal loan I did not have a offer over 8 percent ; and this was in review of 10 plus banks/ financial insinuations.
Consumer complaint received 2018-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/2018, I got a notification that XXXX XXXX XXXX was having a clearance sale. I selected a few items ( totalling {$57.00} ) and went to check out. Once I went to check out, they had a promotion that you could get 20 % off your purchase and free shipping if you applied for and got approved for their store credit card. I applied and was approved. 

However, I was told I would not be able to use my card until I received it in the mail. I said that the only reason I applied for the card was for the promotional benefit and that I would not be able to wait for the card to arrive to complete my purchase as these were sale items and already in limited supply. Both Synchrony Bank and the XXXX XXXX representative I spoke to were incredibly unhelpful, and told me I would either have to wait for the card to arrive or to go to a store and use a printed slip to make purchases in store ( with no guarantee that the same items I'm trying to purchase would be in store ). I feel deceived, as I never would have applied for the card, putting a ding on a credit, had I know I would not benefit from applying for the card for my purchase today. 

I think it's deceiving to customers to display benefits for a credit card that you can not even actually benefit from immediately. The language is incredibly misleading, and I can not be the only person to have fallen for it and then be disappointed once they have to complete their purchase without the advertises benefits. There is an asterisk near the offer ( attached here as an attachment ) but no where does it say that you can not use your approved card on your current/ '' today 's '' purchase.