davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MA)

Wednesday XX/XX/2020 Concern : Public Service Loan Forgiveness qualifying payments Amount qualifying : 64 Amount remaining : 56 Need : 120 to get wiped To have my federal student loans wiped, I have to make 120 qualifying payments. So far, I have worked in public schools as a full-time special educator for 7 years. There was one period from XXXX where I had a forbearance because I was in graduate school, so those months did not count. I have worked 1 year in XXXX, 3 years in XXXX, and just finished my third year in XXXX. I have been on the phone with PSLF for over 20 hours in the past 7 years because there have been numerous clerical or computer errors, one of which they lost 16 of my qualifying payments, which equates to a year and of what counts towards wiping my loans. The agent I spoke with today was not only unsympathetic, he was rude and disregarded my questions. I was viewing my statement online and questioned some of the XXXX payments and XXXX, where now instead of my 36 payments its down to 31. The manner in which he responded was extremely rude and lacking any form of customer service skills. Each time I call to inquire and check up on my loan status, I receive different answers from different agents. The previous agent said I only had 28 more months of qualifying payments and I would be done, now it says 56. The incompetence and lack of compassion with the customer service agent only causes more frustration regarding my loans ever being forgiven.
Consumer complaint received 2023-02-05
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. (IL)

i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS- # XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX HAS VIOLATED MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages
Consumer complaint received 2023-02-01
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2017-11-05
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. (OH)

XXXX XXXX XXXX is a HIPPA Act violation please delete.I have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX and I believe it is a HIPPA Act violation. I request that XXXX XXXX XXXX verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX XXXX
Consumer complaint received 2017-11-03
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: Experian Information Solutions Inc. (AL)

I recently submitted a request to XXXX as well as experian and XXXX to remove the included in chapter XXXX bankruptcy statement from my report since it was NOT LISTED in my schedules. I provided proof of my schedules they never contacted the courts to verify the matter. Also XXXX totally misinterpreted or blaintly disregarded the letter I sent because they updated information that I DID NOT DISPUTE. XXXX updated my student loans that were PAID for by XXXX XXXX because they were consolidated and put that my loans were included in my bankruptcy which is incorrect. That wasnt even what I was disputing they changed /updated information that I did not dispute nor request to be updated.
Consumer complaint received 2023-02-03
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. (AZ)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2021-03-25
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. (GA)

On the XXXX week of XXXX, I sent a letter to the bureaus disputing errors on my credit report and have not received any response within 30 days which is stated in the FCRA. I sent them another letter on the XXXX of XXXX to complain about it and still up to this date they ignore my dispute. This highly affects my scores and opportunities and it is against my rights to have them report inaccurate information on my credit report, and not responding to my disputed within the time stated by the LAW. Legal actions will be taken if this was not resolved as soon as possible.
Consumer complaint received 2017-11-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX, I used my PayPal account which years ago set up a line of credit for me based on my good credit rating, called PayPal Credit, linked to my PayPal acct, to transfer {$100.00} into the account of an organizer of " Meet-Ups '' for a weekend rafting trip. The lender for PayPal Credit accounts is Comenity Capital Bank. 

On the day of the trip, the receiver of my money informed me of various facts not previously disclosed, adding many miles to the trip and other disclosures about the area which I 'd not been informed prior to paying him. I did not join the " Meet-Up '' trip, nor get anything I 'd paid for & requested he credit me for the money. He refused and he used the date of payment for the trip as the same date for any refund, even though he omitted substantial disclosures until 3 days later, XXXX XXXX, XXXX, the date of travel, so I filed a dispute with PayPal/PayPal Credit. 

PayPal first summarily denied my dispute without so much as reviewing any information I sent them, since the trip promotion emails & emails on the day of travel confirm my statements. I asked for an appeal & provided the email documents from him. Those documents were received into their resolution center, under my dispute. However, the following transpired showing a total lack of any cooperation or action from the Protection Services Dept.  agents, in the resolution center. 

On XXXX, XXXX of " Protection Services Dept. '' stated " I can see your issue was resolved '', which made no sense, was vague and nothing had been resolved. This was after receiving the emails which contained the proof of claim in dispute which I 'd sent to be reviewed, Next, I received from XXXX, " Protection Services Dept. ", on XXXX at XXXX XXXX a request that the emails I submitted be " screenshots '', rather than sending the emails the only way I 'd known to do to the email address given to me. So, I complied and learned how to send the emails on my tablet as screenshots, and then sent them to their email address the only way & address I 'd been given by them. Next, on XXXX, XXXX XXXX the third agent, XXXX, " Protection Services Dept. '' sends me a completely conflicting message, now saying that the information can not be sent that way & needs to be sent differently wording her response at if it were to an inquiry instead of an on-going appeal/dispute, and in the resolution center mailbox, it now shows my dispute as no longer open. I will print and now fax the emails one more time, as of XXXX XXXX, XXXX, but have no faith whatsoever that any action will be taken, as not one agent of the 4-6 Ive spoken to in the process of this dispute even acknowledged,  accepted nor read my supporting documents.
Consumer complaint received 2021-03-25
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. (NC)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

My name is XXXX XXXX and I am resident of California. On XXXX I made an online reservation for a car rental with XXXX and prepaid the full amount of {$480.00} through my Costco Citi Visa card. Upon arriving in XXXX XXXX I proceeded to XXXX rental office and was told that they could not find my reservation even though I had a hard copy with me. They made a new contract and upon returning the car on XXXX they charged my credit card the full rental value of {$510.00} without crediting me for the prepayment that I had already made. I contacted my credit card company on XXXX disputing the prepaid amount of {$480.00} as the rental car company had billed me for the full amount disregarding the prepayment. I have provided my credit card company all documentation supporting my claim and after almost 4 months and numerous calls they still refuse to credit my account for the prepayment.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX Inquiries XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment XXXX  XXXX XXXX Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current XXXX XXXX es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Employers : XXXX Employers XXXX XXXX XXXX Employers : XXXX XXXX Employers XXXX XXXX XXXX
Consumer complaint received 2017-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (IL)

For years I have gotten daily messages on my voicemail from " XXXX XXXX '' at Municipal Service Bureau saying he is calling to collect a debt. 
The calls come from phone # XXXX. I do not have any outstanding debts. I researched this on the internet and discovered this is a scam. Is there anything you can do to make these calls stop?
Consumer complaint received 2017-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

I had an opened a account with JC Penny which is backed by XXXX XXXX. When I opened the account they credit limit was XXXX, my credit limit was lowered to XXXX they impacted my credit. My credit limit was lowered to XXXX that impacted my credit, now they have closed the account which has impacted my credit again. I received a credit alert that my credit had been affected by account closure. XXXX XXXXclosed my account without my knowledge.I have had an issued with this bank from day one. I paid the account off.I had n't used the account because I was in the process of purchasing my home and was told to pay the account off and not used the card. 

My account has always been paid on time and never late.
Consumer complaint received 2017-11-04
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: 1st Franklin Financial Corporation (LA)

In XXXX of XXXX, 1st Franklin Financial obtained information from my credit report. There was no consent for them to do so. This resulted in a hard inquiry and also impacted my credit score. This company sued me in XXXX. I have not heard from them in almost 10 years. I received notification from my employer this week stating that I will be garnished at 25 % of my net pay by 1st Franklin Financial. They pulled my credit report to find out a current employer. This seems to be illegal. The company could have obtained my address from that same credit file and a phone number and they could have contacted me to make arrangements. I called the company on Thursday XX/XX/XXXX to see if I can make arrangements to pay them instead of being garnished, and was told No. I also only owe the company about XXXX and I 'm being garnished for XXXX.
Consumer complaint received 2017-11-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (KY)

on XXXX XXXX, 2017, received a collection letter from Receivables Performance Management , LLC,, trying to collect {$2000.00} for my debt..I did not contact RPM because it was in dispute.. The XXXX Georgia BBB settled {$880.00} on this account because I was charged anyway after I was cancelled..I did not pay the {$2000.00} because I did not know the correct amount or whether the {$880.00} was ever deducted. 

RPM, LLC. XXXX XXXX. XXXX XXXX, XXXX, WA XXXX XXXX Office Hours M-F XXXX ; XXXX XXXX to XXXX XXXX Pacific time Sat - XXXX XXXX to XXXX : XXXX PT Thank you.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

one inaccurate bankruptcy chapter XXXX is reporting under my equifax credit reporting agency, this is an 100 % inaccurate information reporting under my name, i have submitted many disputes but no answer from them, this is very much disturbing. 
i have submitted my police report to them, last time o called and disputed they said it was verified in one day, i just would like to know how is this possible to verify an inaccuracy in one day. i have requested the method of verification several times, but they have not been helpful at all. they dont even disputed correctly and they play me around with they very bad customer service. 
please I am a very simple consumer and would like a justice in this case. i need your help in order for equifax to remove this inaccurate public records from their reporting thank you
Consumer complaint received 2017-11-03
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. (GA)

I filed a dispute with XXXX onXX/XX/XXXX confirmation # XXXX and Experian # XXXX regarding the inaccurate reporting of my XXXX XXXX  credit card account. The account is listed as 60 days past due with my last payment in XX/XX/XXXXand that I owe {$63.00}. My account should be listed Pays As Agreed with no past due amounts. I received the results of the investigation XX/XX/XXXX Monday morning. There were portions of my payment history that had been corrected but my account history was still listed as 31 -60 days late. I spoke with a representative named XXXX  and she said I had to contact XXXX XXXX. I told her that I 've contacted XXXX XXXX XXXX and they have not responded.
She said she would refile the dispute. It was refiled on Monday and I received results todayXX/XX/XXXX and my historical payments have been corrected with no past due payments but my status is still listed as 31-61 days late. My status is supposed to be PAYS AS AGREED! I 've made payments to XXXX XXXX XXXX. I 'm up to date and on time. I make my payments thru the mobile site. I 've had issues with reviewing statements and the mobile pay platform. However I have monthly payments to XXXX XXXX XXXX thru my checking account. I 'm not behind on my payments. I do n't owe XXXX XXXX any payments. This error has dropped my credit score by 49 points. My status should be listed as Pays As Agreed. I would like this updated as soon as possible. This drop in credit score has triggered reviews by other creditors. Im in the process of trying to refinance and this drop in score effects my ability to refinance. XXXX XXXX XXXX is examined by the OCC.
Consumer complaint received 2017-11-03
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)

I recently submitted a request to XXXX as well as XXXX and Equifax to remove the included in chapter XXXX bankruptcy statement from my report since it was NOT LISTED in my schedules. I provided proof of my schedules they never contacted the courts to verify the matter. Also XXXX totally misinterpreted or blaintly disregarded the letter I sent because they updated information that I DID NOT DISPUTE. XXXX updated my student loans that were PAID for by XXXX XXXX because they were consolidated and put that my loans were included in my bankruptcy which is incorrect. That wasnt even what I was disputing they changed /updated information that I did not dispute nor request to be updated.
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (NJ)

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX Account name -XXXX  XXXX # XXXX Account name- XXXX  # XXXX account name-XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency make make any consumer report containing any of the following items of information any other adverse item of information, other than records of convenience of crimes which antedate 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