davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

1 ) XXXX XXXX ( current provider ) Complaint 1 : I have been trying to get my loan payments qualified for the service loan forgiveness program past 3 years. I have worked for an XXXX XXXX from XX/XX/XXXX ( since XXXX school graduation ) to currently, and I have made no progress, spending hours of time that I dont have on the phone spending over 20 hours on the phone w different operators. These operators keep giving me different information to resolve issue but when I call back due to denial or just bc I have heard nothing for months, there has been NO change. They have my payslip, employer verification and W. They refuse to approve all of my payments due to transitioning from paid training fellowship physician to practicing attending physicians where the tax id number 's change since I am paid from different pockets of the same academic institution at the University of XXXX. Complaint 2 I have requested payment history from XXXX and XXXX XXXX  through XXXXmy loan payment information, and that this information should be obtained by my servicer. 

XXXX and XXXX XXXX ( ACS XXXX ) - I have requested 3 times for my student loan payment history so that I can prove that I have made payments to qualify for loan forgivenentss. I have requested my payment history through XXXX XXXX ( current servicer ) 2 times and independently by requesting it directly to each of them. I have received no payment history in the mail. As a result I have no proof of payments that I have made since XX/XX/XXXX to 1 ) count toward Loan Forgivement Payment Plan and 2 ) qualify for interest forgiveness program. 

XXXX : I was disqualified for the interest forgive program because my loans from Direct Loans ( currently ACS ) was changed to XXXX. I was provided no notice in written manner or via telephone. I was working about XXXX hours per week taking care of patients in XXXX. I was contacted by collection agency via phone who informed me that I was delinquent. This is how I found out that XXXX was my new provider. I made several phone calls and there was not a SINGLE person who informed me of the implications of interest on my student loans being capitalized versus forgiven due to this late payment. My interest was therefore NOT forgiven and interest capitalized in addition to the principle because I was FORCED into taking a forebearance. I did not even know that I was disqualified of this program with ballooned interest as a result of this mishap in which there was NO communication or notice given to me that my loan provider had been changed. 

employment XXXX : XX/XX/XXXX to XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX to present - University of XXXX ( XX/XX/XXXX-XX/XX/XXXX General Medical Education/ XX/XX/XXXX to present XXXX Hospital )
Consumer complaint received 2023-07-10
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: Mr. Cooper Group Inc. (MD)

My XXXX XXXX bankruptcy was discharged in 2014. XXXX XXXX XXXX never reported my payments to the credits bureaus and now y mortgage is with Mr. Cooper and they are not reporting my payments. My mortgage was not included in the bankruptcy.
Consumer complaint received 2023-07-07
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. (IL)

I took a look at my consumer report and identified some unauthorized items from my file. These items need to be blocked and deleted from my file immediately. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AR)

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to AFNI Inc. which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. AFNI Inc. has not provided any documentation period regarding my request or dispute. I am aware proper validation as well as proof of my liability is my right under the Fair Debt Collection Practice Act. No chain of command, application, or contract, containing my signature has been provided on behalf of AFNI Inc. AFNI Inc. is in violation of the fair debt  collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2023-07-10
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. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I'm writing to express my concerns regarding the reporting of my charged-off XXXX XXXX credit card account on my credit report. 

This account has been officially charged off, however, it continues to be reported as a 'charge-off ' on my credit report for an extended period of time. This repetition implies that a new negative event is occurring each month, which is not accurate. 

Under the Fair Credit Reporting Act, a charged-off account should be reported as such once, not on a continuing monthly basis. The continuous reporting of the charge-off is negatively impacting my credit score in an undue manner. 

This incorrect reporting has significant consequences on my financial standing and potential for future credit opportunities. I kindly request your assistance in rectifying this issue to ensure that my credit report accurately reflects my financial history. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

The way the bank posts transactions is highest dollar amount to lowest so they maximize the overdraft fees I had 3 transactions post one of them I was short by about 40 it was an automatic payment that I forgot was coming out if they had post transactions from lowest to Highest I wouldve paid one {$36.00} overdraft fee but instead they did highest to lowest so I got charged three {$36.00} fees they are maximizing fees and taking advantage of consumers who run short
Consumer complaint received 2018-11-14
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. (IN)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Equifax did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the accounts XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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. (TN)

For the past year I've tried to resolve an issue with Equifax not reporting my accounts on my credit file. I've tried to resolve the issue with Equifax and have been lied to by 2 Equifax agents who said the problem was resolved. My last complaint was in XX/XX/2023. Equifax said they couldn't find a file for me but the issue is Equifax isn't reporting my accounts. I have lenders such as XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, and XXXX  which have verified that they are reporting accounts to Equifax. I sent my state identification, social security card, and proof of address to Equifax on 3 different occasions and Equifax still has not created a file for me which should already exist. This is nothing but an unwillingness on Equifax part to not resolve an issue that shouldn't exist. the only thing Equifax does is continue to ask me for copies of my identification but there is not a representative from Equifax who takes one second to see what the problem is or how can it be corrected.
Consumer complaint received 2018-11-13
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSWORLD SYSTEMS INC (MS)

ON XXXX XXXX, SOMEONE CALLED MY WORK, LEFT A MESSAGE FOR ME TO CALL XXXX XXXX XXXX. THEY MADE IT CLEAR TO MY EMPLOYER THAT THEY WERE A DEBT COLLECTOR. 

WHEN I CALLED BACK, THIS PERSON WAS NOT THERE, BUT ANOTHER PERSON TALKED TO ME, VERY CONDESCENDING AND RUDE, HE NEVER TOLD ME HIS NAME. HE WANTED ME TO VERIFY PERSONAL INFORMATION, WANTED ME TO GIVE IT TO HIM, I REFUSED. HE SAID THAT I WOULD HAVE TO BE DEALT WITH THE " HARD WAY '' WHEN I ASKED WHAT THAT MEANT, WAS HE THREATENING ME, HE SAID HE WASN'T. 

I TOLD HIM TO NOT CALL MY WORK AGAIN AND HE SAID THAT HE COULD NOT STOP ANYONE IN HIS COMPANY CALLING ME. I TOLD HIM THAT I KNEW IF I ASKED FOR NO CALLS AT WORK, THE LAW SAYS THEY HAVE TO OBEY. HE AGAIN SAID HE COULD NOT STOP ANYONE. 

I BELIEVE THE COMPANY IS CALLED XXXX, XXXX, Pennsylvania, United States, EVEN THOUGH HE NEVER ACTUALLY SAID SO.
Consumer complaint received 2018-11-13
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: EQUIFAX, INC. (AL)

On XX/XX/2018 I contacted Equifax at XXXX and spoke with XXXX. I advised XXXX I was made aware of inquiries on my credit report I did not authorize. XXXX advised I was unable to dispute this information and had to contact each individual company to dispute it. I advised I did not feel it was my duty to do so because as custodian and the furnisher of information it is Equifax 's duty to ensure all inquires a duly authorized.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (MS)

I got my report from Early Warning and saw XXXX XXXX put a fraud on me without my knowledge nor consent I paid my account and they automatically closed my account with a pending deposit before the account was closed I left a positive balance and requested my money for all fees and services refunded as of todays date I have not heard back from XXXX XXXX  on the fees and money owed to me. After filing a dispute I have never seen a dispute ending up being fraud on the consumer this makes absolutely no sense. Placing a fraud alert when there is no fraud creating a narrative that never existed freezing account so consumer can not pay account this bank deliberately abuses it power and never fixes the error they create no one owed them a dime I had to get a XXXX to call an office so I can pay them when I am in the bank trying to keep a positive standing with them Regions needs to be investigated for discriminatory banking practices placing false narratives on a consumers account. Placing incorrect information on a customer who is paying them. I never left a balance with them I am waiting to this day for my refund I never received it as of todays date I owe this bank nothing but they place false narratives on me as if I am a criminal I have never seen a criminal pay money to keep a bank account in good standing. Now thats fraud if I did not pay them thats fraud if I made no effort it was an error on their part making me in the negative to begin with.
Consumer complaint received 2018-11-14
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: BB&T CORPORATION (WI)

On XX/XX/XXXX I submitted a written letter to XXXX XXXX XXXX   asking them to investigate an unauthorized hard credit inquiry that is on my personal credit file. On my credit file, it has 'XXXX XXXX XXXX   ' listed as a hard inquiry made on XX/XX/XXXX on my XXXX   and XXXX Reports. In my letter to XXXX XXXX XXXX, I vehemently stated that this inquiry was unauthorized and they did not have my permission to access my credit profile. At that time, I asked them to investigate and submit to me any documentation they may have displaying my authorization, or contact both credit bureaus to remove this inquiry.

On XX/XX/XXXX I received a letter via mail from XXXX XXXX denying my request to investigate this matter.
Consumer complaint received 2023-07-07
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. (TX)

This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. This account has VIOLATED MY RIGHTS!!! ( ( XXXX XXXX XXXX XXXX ) ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature, proof they own debt, payment plan/history and creditors information or I expect this account to be deleted within 30 days!!!
Consumer complaint received 2023-07-07
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. (AZ)

I hope this message finds you well. I'm writing to express my concerns regarding the reporting of my charged-off XXXX XXXX credit card account on my credit report. 

This account has been officially charged off, however, it continues to be reported as a 'charge-off ' on my credit report every month. As well as reporting No Data for some months. This repetition implies that a new negative event is occurring each month, which is not accurate. 

Under the Fair Credit Reporting Act, a charged-off account should be reported as such once, not on a continuing monthly basis. The continuous reporting of the charge-off is negatively impacting my credit score in an undue manner. 

This incorrect reporting has significant consequences on my financial standing and potential for future credit opportunities. I kindly request your assistance in rectifying this issue to ensure that my credit report accurately reflects my financial history. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2017-10-24
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: SUNTRUST BANKS, INC. (GA)

In XX/XX/XXXX several accounts was opened in my name without my knowledge, 1.  Suntrust XXXXXX/XX/XXXX {$37000.00}, 2. XXXX XXXX loan {$8500.00}, 3. XXXX XXXX Credit card {$2500.00}, 4. XXXX XXXX {$2500.00}
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CO)

On or about XX/XX/2018, I review my XXXX credit report # XXXX to discover that a Bankruptcy account # XXXX appear out of nowhere dropping my credit score from XXXX to XXXX. I immediately contacted the U S Bankruptcy court clerk and was told by her that the court does not report the record to the credit bureaus and that the Bankruptcy was closed not " dismissed '' as being reported ; the clerk also stated that I may wish to contact LexisNexis to dispute any errors.
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

This is regarding my Chase Sapphire Reserve Card that carries a {$520.00} annual fee. 

On XX/XX/XXXX I redeemed XXXX Ultimate Rewards Points for a hotel booking at a XXXX XXXX. I then checked into the hotel on XX/XX/XXXX and was charged the full amount of {$230.00}. 
I called Chase the very next week and they assured me that the credit would be coming to me in a week or so. They said the merchant needs to reverse the charge, which seemed odd to me that they wouldn't give me conditional credit right away after seeing the mistake.

I did not see any credit for another week or two so I called back again and they said " it can take awhile ''. Now I was really concerned because I didn't have much trust in the merchant reversing this charge and I was already at a point where i needed to pay for this as my statement was due -- it was not a charge I was accounting for.

I then called back at least three more times in the following three months and I eventually was transferred to the escalation team. They said they passed it along to the travel team but nothing had been done yet. On the last call, I was put on hold as they tried to contact the travel team but was on hold for about about 10 mins so I just hung up.

Clearly, there was no action taken to address my issue for several months, and I would have thought that they would have procedures in place to give customers conditional credit while they address the credit rewards issue like this.
Consumer complaint received 2018-10-19
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 have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I received an email from Experian on XX/XX/XXXX stating my credit score had changed. I logged into my account and found out my score dropped XXXX points on XX/XX/XXXX. I want to know why. Some background : First, as of XX/XX/XXXX, I had no credit score. All my accounts were discharged in XXXX XXXX Bankruptcy. This, in of itself was an error as I recertified my car loan at the time of my bankruptcy. This error was rectified on XX/XX/XXXX and I had a credit score somewhere around XXXX. 

So I called in to Experian today and spoke to no less than 10 different people. The bottom line is they can't tell me why my credit score dropped XXXX points yesterday. I have requested a supervisor callback but no one has called yet. 

I want to know why my credit score dropped XXXX points. Specifically. Not a general reason. The actual reason. 

There are two possible events that could have caused it : First, on XX/XX/XXXX, I applied for credit at a XXXX XXXX XXXX. After applying, I was approved for {$5000.00}. I then found out it was for a lease. I was not told I applied for a lease. I was told it was credit. I said no and found another way to pay. 

IF they think I took out a {$5000.00} lease, I can see why they would have dropped my credit score XXXX points but I did not do this and I would like to dispute it. They do not see it so I can't dispute it. 

Second, XXXX XXXX XXXX controls my mortgage. It was charged off in my bankruptcy. They can no longer report on this mortgage. I believe they did, which would be illegal. I think Experian used this illegally obtained information to change my credit score. I want to dispute it but they do not see it. 

I want the CFPB to MAKE THEM tell me why my score dropped XXXX points on XX/XX/XXXX and I want to dispute the reason. Right now, they are hiding behind the logic that they can't dispute what they do not see. Further, they say their algorithm determines my credit score - not a person. That is fine but if they are going to drop my score XXXX points in one day, they should be forced to disclose why. 

Please help me. I am desperately trying to build my credit score so I can apply for a home equity line of credit next XXXX so I can pay for my son 's college. I can't do that without a major increase in my credit score. This XXXX point drop screws me. 

Please let me know as soon as possible what you can to to help. Thank you.