davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NE)

I'm eligible for public service loan forgiveness and XXXX haven't credited me all the payments. They sent me a letter in XXXX of XXXX acknowledging I had been at a qualified employer from XXXX ( when I originated the refinance loan ) until present. They didn't credit me with any payments before XXXX, when the loan was transferred to them. Which meant they had not given me credit for all the payments. They said I had XXXX payments. I called and they said they'd start a review for the other payments. That was in XXXX of XXXX and the review is still not completed. In XXXX of XXXX I submitted an employment certification for XX/XX/XXXX - XX/XX/XXXX and submitted the PSLF application. They rejected the application saying I had only made XXXX qualifying payments, even though they had previously certified XXXX payments. I've called several times and they just say to wait. I've even submitted a credit report showing on time payments since XXXX to my student loan providers. They've already acknowledged that I was working for a qualified employer and yet they haven't processed the application.
Consumer complaint received 2019-06-17
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. (HI)

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice.  Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX  XXXX   XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

I am a victim of XXXX  XXXX and I have told XXXX, XXXX XXXX and XXXX for XXXX plus yeras or so that different accounts where opened in my name by my XXXX  and I did not authorise these! These need to be taking off my account now because as a victim of XXXX  XXXX I am protected! I will get XXXX XXXXXXXX, XXXX XXXX and the XXXX XXXX involved plus I want compensation for the pain and suffering yall have cauased me even further and I am XXXX!
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have had multiple fraudulent credit inquiries show up on my credit report as well as fraudulent accounts opened. I reported to the credit bureaus and initially a freeze was supposedly placed by all 3 bureaus. Then a fraud alert was placed by all 3 bureaus. However, each time I pull my credit report, more inquiries are flowing in and in excess. Any creditor is supposed to contact me personally if my credit is pulled and I have yet to receive a phone call from any of them. One credit report has 22 inquiries. One has a note stating to contact me but yet there are 9 inquiries in the last 3 months. My entire wallet was stolen and my social security card as well as my drivers license, checkbooks, credit cards, etc were all taken from me at gunpoint. That was 4 years ago and I have had issues since that incident.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (FL)

REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE JPMCB, ACCOUNT NO. XXXX I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account No. XXXX titled as JPMCB CARD. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that JPMCB CARD has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KS)

Equifax does not provide support to customers. Their phone line does not transfer to a representative even though their automated options don't provide the service needed. It says to go to the website, but the website does not work. The customer service line takes you to representatives who have only prescribed answers to questions you are not asking -- they can not understand a unique question and keep repeating the same irrelevant answers word by word, or worse, referring you to the website that doesn't work. I asked to speak with a supervisor and got transferred to other incompetent representatives who insist on going through the same " verification process '' over and over each time. I finally got a rep who agreed to transfer me to a supervisor and was then told the " supervisor line '' was busy! None of this is my fault. I had to have my credit frozen because of the hack in XXXX  and have been put through this customer service XXXX every time I need to coordinate a temporary " unfreeze ''. Who will hold Equifax accountable for their atrocious customer service? What a terrible company. I question whether we should trust them to make determinations about people 's credit.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am wondering why you are reporting that I was late with this creditor XXXX XXXX I am in dispute of the information listed, and it is my request that you remove this account from my credit report and send me a new copy that reflects the change.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I purchased items XX/XX/XXXX from Kohl 's in XXXX, MN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I realized that the items where not in the bag. I called the store on XX/XX/XXXX to let them know that I was missing items. I spoke with the store manager and he said that the items where at the store and that they would get them credited back to my Kohl 's card. I called Kohl 's when I returned to check if the missing items were returned to my card. The assistant store manager told me that they were credited back to my card and that if the credit didn't show didn't show up by the end of the Statement closing period XX/XX/XXXX that the total I was not to paid was {$100.00}. I made a payment of {$200.00} on XX/XX/XXXX to bring the account to the {$100.00}. I called XXXX store along with Kohl 's customer service to find out what was the hold up on the credit. Both sources informed that they were working on the credit and that once it hit it would be a XXXX balance. XX/XX/XXXX the credit was still not on the card. I called XXXX store again and was told that it was being held up on the credit card side. I called Customer Service again and explained what I was told and that I didn't feel I should have to pay a late fee since I was told for the last 4 months that the credit I never made another purchase on this card after XX/XX/XXXX. I kept calling XXXX, XXXX, XXXX and they kept waiving the late fee 's, which if they really believed these were late fee 's due to me not paying my bill why would you refund them all? In XXXX I was finally able to get ahold of someone who was willing to look at everything with me. She seen that there was never a credit made to my account in XXXX nor XXXX for the missing items. According to the letter from Kohls ' this was a courtesy that they would put in for {$150.00} refund on late fees, and a store credit of {$91.00} which was later changed to a {$51.00} credit. I was mailed a check for {$37.00} which why would you mail me a check if I was really late? This has affected my credit and took it down XXXX points plus reports that these were all late fee 's. There would not have been a balance as of XX/XX/XXXX if the credit would have been applied. I have talked with the Attorney General of MN and they said that this source would be best to reach out to as Kohl 's feels that there was nothing wrong with this and that the payments were late even though the credit that should have been on the XXXX statement at the latest wasn't applied to my account until XX/XX/XXXX. I am begging for help with this.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

I called and canceled this card in XXXX. They left it open, creating an annual fee that came up as delinquent. I never activated or used that card. When I called them, they told me that I had canceled an already closed account. I explained that they had made a mistake and needed to report it to the credit bureau because I had closed the account. They told me they would send me a XXXX balance letter. Which they did. I'm reporting this because it seems like they are doing this to many of their clients.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

My Identity has been effective in XXXX XXXX XXXX. After winning a fraudulent Credit Card case and seeing all the inquires I needed help because speaking with the bureaus I couldn't get them removed. 
XXXX XXXX XXXX XXXX XXXX XXXX Identity has been effective in XXXX Data Breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$890.00} XXXX XXXX XXXX XXXX : {$610.00}
Consumer complaint received 2024-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (CA)

I received a letter from a debt collector Source Receivables Management XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX and I never had an account with them and dont know who they are. They are trying to collect an amount of {$550.00} from me and I do not know who they are. I think this information is wrong and would like to dispute this from my credit report.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I have been identified as a victim of Trafficking that has resulted in Debt Bondage and effects my consumer report. As a XXXX of XXXX  trafficking or XXXX trafficking, you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from Background Check reports ordered by future employers, volunteer organizations and landlords.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

This is my numerous request 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX 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 XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (TX)

I'm writing regarding a collection entry on my credit report from your agency. This entry is concerning, as I wasn't previously notified about this collection and I question the debt 's validity. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I formally ask you to provide this validation and address this matter.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit 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: Chime Financial Inc (CA)

ive opened up a dispute within chime for a amount of XXXX & chime has denied my dispute XXXX times, making me change my dispute category each time & repeatedly denying my claim when i am stating i sent these funds & didnt receive the products in return, which chime being the bank i had my funds in they shall be able to help me on recovering my funds or even providing me with some type of credit they have yet to do so.
Consumer complaint received 2024-07-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (TX)

Our escrow account increased {$XXXX} in XXXX of XXXX. We were told that it was due to an increase in taxes and insurance as well as a shortage in escrow. We called this number ( XXXX ) XXXX and were told that if we filed a homestead exemption and filed an appraisal protest, that we could have a reduction in property taxes resulting in a lower escrow payment. Both were filed and documentation was submitted to XXXX, as directed by the above listed phone number, on XX/XX/year>. I received a confirmation email confirming the receipt of my documents same day and was told that it would take up to XXXX business days. As of today, XX/XX/XXXX, I still have not had any response or reduction in payment and have since made multiple payments. After speaking with XXXX  today, we were informed that they have not received any documentation and are unaware of any request to reduce our payment.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am writing to bring to your immediate attention a grave matter concerning my credit reports, which has resulted in severe inconvenience and distress. Recently, I received XXXX credit reports in the mail that do not pertain to me but share my name. Upon scrutiny, I discovered that my credit profile has been erroneously merged and intermingled with those of XXXX other individuals who share my name but possess different social security numbers. 

Despite my earnest attempts to rectify this situation, XXXX, XXXX, and Equifax have all refused to address the matter, leaving me in a vulnerable position. I have reached out to each of these credit bureaus through multiple channels, including the CFPB portal, phone calls, and traditional mail. Additionally, I have diligently uploaded copies of my driver 's license and social security number numerous times to substantiate my identity and plead for the correction of this egregious error. 

The social security numbers erroneously linked to my profile are ( see attachment ) and ( see attachment ). Despite providing comprehensive documentation and evidence, the credit bureaus have repeatedly requested the same information and have shown an unwillingness to resolve this matter.

I am hereby formally requesting the immediate deletion of the mixed files associated with the following creditors and debt collectors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Furthermore, I demand a cease and desist from all creditors and debt collectors linked to these erroneous accounts.

It is abundantly clear that the information in question was not properly verified by the collection agencies, creditors, or credit bureaus, leading to a blatant violation of my rights and privacy. I am profoundly disappointed by the credit bureaus ' refusal to address this matter in a timely and effective manner.

While I strongly prefer to resolve this issue expeditiously and amicably without resorting to legal action, I am prepared to pursue further measures to ensure the accuracy of my credit reports and safeguard my rights as a consumer.

I implore the Consumer Financial Protection Bureau to intervene and compel XXXX XXXX and Equifax to take immediate action to rectify this error and ensure the accuracy of my credit reports. Furthermore, I emphasize that I, myself, am writing this letter, and I do not have any credit bureau or third-party agency representing me. I request that a human agent verify this information and explicitly state that I do not consent to any third-party entities, such as e-oscar or XXXX, involving themselves in this matter, as they are not deemed reliable sources by me.

Thank you for your urgent attention to this matter. I anticipate your swift and decisive action in resolving this distressing situation.
Consumer complaint received 2024-07-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

The statement with the masked account number and credit card arrived on the due date. Checked mail at XXXX XXXX XXXXXXXX and paid within XXXX hours on the due date. I was charged a {$30.00} late fee because the payment was XXXX hours late of an arbitrary cut-off. It is impossible to pay the bill without a statement or credit card. I contacted customer service and was alerted to the fact that I did not receive the card or statement until the actual due date. I was informed they would only waive {$15.00} of the fee. I escalated through three representatives.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (VA)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX