davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

I initially applied for Public Service Loan Forgiveness with XXXX in XX/XX/XXXX. I submitted ECF for all 3 of my employers from XXXX to the present. My application for my employer, XXXX XXXX XXXX XXXX XXXX, was initially denied due to the organization being out of business. I resubmiitted Employment certification along with an email from the parent compny ( XXXX XXXX ) refusing to verify employment due to the length of time elapsed and, again, my application was denied. My loans were then transferred to Mohela where I have submitted an ECF, documentation of all W2s for my years of empolyment with XXXX XXXX XXXX XXXX XXXX, and tax filings for XXXX XXXX for the years XXXX listing XXXX XXXX XXXX XXXX XXXX as a nonprofit subsidiary. My application was again refused stating that my employment could still not be verified as meeting the full time status requirement. I have subsequently submitted a letter from XXXX XXXX ( who bought XXXX XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX ) verifying my full time employment status. I received a letter from Mohela in XX/XX/XXXX again stating they are unable to verify my employment and can not certify my payments from XXXX to XXXX as eligible for PSLF or TEPSLF. I have repeatedly submitted information to verify a former employer for PSLF under the TEPSLF waiver, most recently in XX/XX/XXXX. My prior employer, XXXX XXXX XXXX XXXX XXXX, a subsidiary of XXXX XXXX, has been closed since XXXX. I have submitted all of my XXXX for my years of employment, tax information for XXXX listing XXXX XXXX XXXX XXXX XXXX as a non profit subsidiary, a letter from XXXX stating they do not have records of employment due to the length of time elapsed, and a letter verifying that I was a full time employee of XXXX XXXX XXXX XXXX XXXX from XXXX. Mohela has, on at least 3 occassions. I have filed two complaints with the Depatment of Education. The first complaint was closed due to loans being transferred to Mohela. The second complaint has been in review for weeks. I have requested assistance from the FSA Ombudsman and was denied the opportunity to speak to an Ombudsman directly. I was told they are only accepting online complaints through their feedback process. I am requesting CFPB to review my complaint and determine why an eligible employer under PSLF/TEPSLF is being repeatedly denied so my account can be updated to the appropriate 379 eligible payments I have consistently made. I began repaying my student loans in late XXXX early XXXX and have worked for non profit organizations from XXXX and again from XXXX to the present. Thank you for your assistance.
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (IN)

I had the same company attempting to collect from XXXX a few years back, while Im not certain if it is the same collection or a different one altogether, what I am sure of if that this debt does not belong to me. I have not had nor have any delinquent debts or services from XXXX. I have XXXX services and have had the same service for more than ten years. The previous attempt to collect on an invalid debt was proven not to be mine. 
I have only one cable account and that is at my residence in Indiana and is paid monthly from XXXX. And I was informed already that this isnt that. My guess is that I am once again a victim of identity theft.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (IL)

I stopped by XXXX in XXXX of XX/XX/2023 and purchases a shirt with a XXXX $ amount, the cashier person was too insist to issuing me a credit card with no annual fees, I did reject XXXX times by that time he request my ID to see if I am eligible for the credit when I knew that the Id is for this process I request my ID back and refused of any kind for such activity, after that date I start receiving a " pre-approval '' mails to my mailbox every XXXX week and when I open the mail it says " you have pre approved for the credit card and register now if you want and if you don't just ignore this mail you have till XXXX XXXX '' which I did reject the mail and not signed up or didn't do any actions. At the end of XX/XX/XXXX I received a notification that I am using all the credit on the card, I was shocked I did reach out to my bank to the police department stations near me and I did explain everything and the card issuer stooped the card. The issuing company for the card told me that the thief purchases with XXXX $ was buying a furniture! 

How can I received a credit card I didn't request and how can someone received the card on my behalf and open the mail.? 
I did not receive the card and I did not receive any notifications or email or anything! 

How can someone use a credit card under my name and verify it and use it! 

The company called the furniture shop that the thief purchase from and they did reply '' we don't use any CCTV ''.!!! 

How can Marshals group hire some cashier that is not capable of and provide a false information and lied to the customer. 

Fortunately I have my receipt with XXXX $ and the paper from the cashier that she did signed it with her hands and she was asking me for a good survey and her name also.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CT)

a debit card account was opened in my name under chase bank. 
I have contacted them i will be filling a police report as instructed by them on my behalf and provide chase bank with the information with the packet they are mailing me.
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IN)

I C SYSTEM INC is attempting to collect an alleged obligation on behalf of XXXX. I C SYSTEM REAPPERAED on the consumer credit report ( this is the 3rd time ive gotten XXXX removed and it keep reappearing ) per my knowledge there is no legal binding contract bearing my signature to contract with I C SYSTEM. the original creditor XXXX as inaccurately reported an alleged delinquent account bearing my personal information. per the law XXXX was paid in full via the negotiable instrument provided to XXXX during the signing of the contract. per the bankruptcy act of 1933 congress gave the American people the right to pay for all debts by providing an negotiable instrument as I did when at the signing of said negotiable instrument on between the creditor and debtor in the year of 2019. Per the debt collection laws I C SYSTEM is in violation of the FDCPA, TILA as the alleged debt as been satisfied. I C SYSTEM and SPRINT is in violation of 16 CFR 433.2 along with Title 15 USC 1692 debt collection practices per the FDCPA. I C SYSTEM has committed identity theft as no permission was granted to house my personal information within their database. ALSO XXXX XXXX XXXX IS TRADEMARKED ON USPTO AND HOLD A COPYRIGHT and never gave I C SYSTEM a license to use the mark. A invoice is attached
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (OH)

The said bank charged me XXXX dollars in overdraft fees -- -- -the account was in the positive -- -- Chase does not respect veterans at all -- -- -- -- -- -- -- -- ----
Consumer complaint received 2023-05-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NJ)

I send {$600.00} to XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXn XXXX fromJP Morgan Chase Bank at XXXX XXXX XXXX in XXXX NJ XXXX XXXX XXXX XXXX XXXX and it was promised to arrive at XXXXXXXX XXXX of XXXX XXXX XX/XX/2023. Today is XX/XX/2023 and the money has not rrived at the bank as of now.
Consumer complaint received 2023-05-04
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. (CA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Consumer complaint received 2023-05-04
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. (FL)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 XXXX
Consumer complaint received 2023-05-04
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
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. (NJ)

I submitted a complaint last XX/XX/XXXX and the companies responded. Some items got deleted but some are still reporting. I submitted a complain again last XX/XX/XXXX and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

This is a fake account. This company first called me in early XXXX claiming that I had owed money to XXXX from a debt at an address I haven't lived at since XXXX. They claimed that the debt was from XXXX. 

When I told them what address I am currently at, they then updated this fake collections account with my new address. 

During the call, I explained to them that not only can I prove I had XXXX XXXX XXXX XXXX internet during the time period they claimed, but that XXXX isn't even offered in the area I am in. As soon as they heard that, they suddenly hung up the phone, but I am outright shocked that they were dumb enough to put this fraudulent, fake collections account on my credit report!!
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Upgrade, Inc. (NV)

Credit card company upgrade approved me for XXXX credit amount with an option to transfer old credit cards balance into the upgrade account I transferred the amount of XXXX from my XXXXXXXX XXXX XXXX  The following week upgrade dropped my approval amount down from XXXX to XXXX approval amount.. Placing my upgrade credits card in high and risky on my credit report downing my credit down several points.. Putting my credit account in disarray in freefall
Consumer complaint received 2023-05-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Account # : XXXX To whom it may concern, I am writing to bring to your attention an error in my credit report and respectfully request your assistance in correcting it. I noticed that for the month of XX/XX/2023, my monthly payment was reported as overdue, despite the fact that I had set up automatic payment to be deducted from my bank account on the 29th of each month. 
Upon investigating the matter, I contacted my bank and was informed that due to the 29th falling on a Saturday, the payment was processed on XX/XX/2023. Although I explained the situation to the bank agent and the collection department, they both acknowledged the mistake but were unable to make the necessary correction. 
While I understand that correcting a credit report error can be a cumbersome process, I would like to emphasize the significant impact that this mistake has had on my family and me. Therefore, I kindly request that the overdue payment be removed from my credit report as soon as possible. 
Thank you for your attention to this matter, and I appreciate your assistance in resolving this issue. 
Sincerely,
Consumer complaint received 2023-05-03
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. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; Inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2023-05-03
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)

THE COMPANY IS IN VIOLATION OF 15 U.S CODE 1681E ( B ) BY CONTINUOUSLY REPORT INACCURATE INFORMATION ON THE FOLLOWING ACCOUNTS. XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, TBOM # XXXX AND XXXX XXXX XXXX XXXX  # XXXX. I'VE SUBMITTED MULTIPLE DISPUTES AND SOMEHOW THIS INFORMATION REMAINS UNCHANGED. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TN)

Discover reported a high balance of {$5200.00} on my credit report that is incorrect. My credit limit of {$4500.00}, I never authorized {$5200.00}. They claim that they increased my credit limit to {$5200.00} but I never authorized nor requested such a change.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

Credit card company has been applying my payments to 0 % APR balance instead of 27 % APR balance. It is my understanding they can not do this. I have called them twice now and spoken with 3 different people. 
Per CARDS ACT credit cards should allocate payments above minimum to higher interest balance first. 

Please see 3 months of statements. On XXXX statement, there is a total balance in the account of {$18000.00}. This is split into {$12000.00} at 0 % APR and {$5300.00} at 27 % APR. 
I made a payment of {$2800.00} that should have been applied to higher APR balance. 
Instead, on XXXX statement I see my 0 % balance decreased to {$9200.00} and I was charged interest of {$220.00} You can see this numbers on the last page of my statement where the balances are separated per APR.
Consumer complaint received 2023-05-03
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. (FL)

Hey hope all is well guys this isnt my account and is being reported inaccurately I filed a report with identity theft.gov and multiple police reports. Account was opened XX/XX/XXXX I had been in the hospital fighting for my life from XX/XX/XXXX through XX/XX/XXXX and wouldnt have been able to obtain any credit during the tough time period where I was fighting for my life Ive sent the credit Bureaus and Creditor multiple letter and phones call to assist me with this matter and Ive have yet to receive any help or yet to see the account being reported inaccurately removed. Its an violation of my right under the FCRA to report inaccurate information on my credit report Disputed Account listed Below : XXXX XXXX XXXX XXXX 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 2023-05-03
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. (NV)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Addresses : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

I been trying to pay additional principal payment to mr cooper. 
The payments kept getting reverse so i chat with mr. cooper agent. 
The agent told me i need to call bank and see if there is any issue. 
I called my bank. The bank agent told me there is no issue. so I called mr copper. basically telling me to try again call got dropped so i try again to chat with differenct agent. same thing happened telling me to try again. 
I tried many times already.