davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MD)

Please see the below exchange with Fedloan Servicing. I 'm not complaining about their service, in particular, but rather the fact that previous servicers have apparently still not provided them a payment history that they can use to calculate the PSLF qualifying payments. Also, the previous servicers did employ shoddy practices, like delaying IBR verification for months, that ultimately cost me thousands of dollars in accrued interest that has now been added to principle. This industry needs to be cleaned up. 
Thanks Thank you for contacting FedLoan Servicing! 

Our records indicate that your Income-Driven Repayment plan began effective XXXX XXXX, XXXX. 

We presently have your employment certified from XXXX XXXX, XXXX until XXXX XXXX, XXXX for employer XXXX. Based on this period, you have made 0/120 qualifying payments towards your Public Service Loan Forgiveness ( PSLF ). Payments made beyond this period may qualify for PSLF as long as we have approved Employment Certification Form ( ECF ) on file covering the employment period for the time frame of the payment while in repayment on a qualifying repayment plan. We also recommend recertifying your employment annually. 

We recommend that you use the " Contact Us '' links on our website, MyFedLoan.org, to submit inquiries via a secure email form. Please use your email address on file when completing this form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX XXXX until XXXX XXXX ( ET ). 

Sincerely, XXXX FedLoan Servicing -- - Original Message -- - On XXXX XXXX, XXXX at XXXX XXXX, XXXXXXXXXXXX wrote : First Name : XXXX Last Name : XXXX Message : I 'm following up on an inquiry I made several months ago. I sent you Public Service Loan Forgiveness paperwork last year. Do you have an accounting of credited payments yet? 

XXXX This message contains privileged and confidential information intended for the above addressees only. If you receive this message in error please delete or destroy this message and/or attachments. 

The sender of this message will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this message. 

Code : PHEAA XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX ( 8 minutes ago ) to accountinfo Thanks. I believe you 've introduced an obvious typographical error into your database. I can not have employment from XXXX XXXX, XXXX until XXXX XXXX, XXXX '. That should read XXXX XXXX, XXXX until XXXX XXXX, XXXX '. Notably, also, I have been making income-based payments to previous servicers ( XXXX and XXXX, I believe ) since XXXX. Do you not have that payment information yet?
Consumer complaint received 2022-09-30
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. (HI)

I sent a letter to XXXX dated XX/XX/2022 regarding XXXX XXXX XXXX  ( account # XXXX ) that is showing on my credit report Upon closing of their investigation their report # XXXX results stated " Remains '' The account can " Remain '' HOWEVER I am hereby requesting that all lates be deleted. 

I have been a victim of their breaches and their failure to remove the information will result in a lawsuit per FCRA regulations Theyre not a government agency and I believe theyre colluding as their business entity is a publicly traded company and this seems to be some sort of extortionate credit transaction. 

These errors have caused a denial of extension of my own credit to me
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX   XXXX  has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I always make my auto loan payment online through  XXXX . I would then be transferred to  XXXX   XXXX  to process my online payment, for a fee. At first my payments would pos t within a day or two, but then so metimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in  XXXX  of  XXXX , that  XXXX   XXXX  correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and  XXXX   XXXX  's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until  XXXX  of  XXXX , when I came to the end of a loan modification. It was at that time, that I w as notified from my credit reporting company, that one of my payments had been listed as default of 30 or  more days. I find it extremely odd that they would wait until a year or more later to change my credit report, if my payments had truly been late. When I made my payment this month, I noted that  XXXX   XXXX  is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected
Consumer complaint received 2017-04-27
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. (TX)

XXXX   XXXX  has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I always make my auto loan payment online through  XXXX . I would then be transferred to  XXXX   XXXX  to process my online payment, for a fee. At first my payments would post within a day or  two, but  then sometimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in  XXXX  of  XXXX , that  XXXX   XXXX  correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and  XXXX   XXXX  's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until  XXXX  of  XXXX , when I came to the end of a loan modification. It was at that time, that I was notified from my credit reporting company, t hat one of my payments had been listed as default of 30 or more days. I find it extremely odd that they would wait until a year or more later to change m y credit report, if my payments had truly been late. When I made my payment this month, I noted that  XXXX   XXXX  is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected
Consumer complaint received 2023-03-23
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. (GA)

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX  XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (VA)

The following CHASE Credit Card A/C information is missing in my XXXX Credit Report. 
A/C Type : Credit CardA/C Number : XXXX XXXX XXXX XXXXCreditor : ChaseI have already contacted XXXXCFPB Case number : XXXX-XXXXResponseWe have reviewed your complaint along with the information you previously provided regarding this issue. 
Additionally, we reviewed the letter you provided from Chase. However, we were unable to make any changesor updates to your credit file due to XXXX policies and procedures. As a result of our research, we show Chase # XXXX was removed from your XXXX credit file on XXXX/XXXX/2008 per the creditor 's ( Chase ) request. 
Please be advised that it is XXXX 's policy to only report information that has been verified by the creditor. 
The item you are requesting to be re-inserted to your credit file has not been verified and therefore, can not be re-added. 
Chase will have to submit a request to XXXX in order to have this account added back to your XXXX credit file.
Consumer complaint received 2023-03-23
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. (AZ)

Complaint against XXXX The past 3 months I have tried to get XXXX XXXX to fix their error. They continue to report my balance on an acct I have called XXXX. I sent them a balance letter from conns several times they still report my bal as XXXX but its actually XXXX. 

Then I have a XXXX XXXX card ending XXXX, limit on card is high but my balance is always paid off if I use it prior to reporting. Card is through XXXX XXXX, XXXX XXXX removed my card off the report just deleted it without my permission or request. In the middle of my refi on my mortgage causing my credit score to plunge down XXXX points I had XXXX XXXX  contact them and XXXX said XXXX XXXX refuse to put my card back on because they state I disputed something on the report. 
I have never disputed anything on my XXXX XXXX  Visa card with XXXX limit. Had no reason to its the only card that was reporting correctly. 

I reported to XXXX XXXX lots of inquiries not mines they did nothing, I contacted the creditors who made the inquiries and they removed them and immediately XXXX XXXX has reps I talk hang up on me and now my Visa card has been removed which Id terrible practice. XXXX  reporting incorrectly XXXX card balance the report incorrectly Ive sent balance letters several times XXXX XXXX is XXXX they report XXXX And its ongoing every month nothing changes. 

Consistently getting hacked on there site just a lot of stuff with XXXX XXXX and equigax
Consumer complaint received 2017-02-06
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

I XXXX XXXX cashed a check from my XXXX XXXX account for XXXX at ACE getting XXXX XXXX in XXXX to pay an XXXX bill which was paid already by my insurance company therefore this should 've been returned as promised by ace they told me that stop payment would be place on the XXXX and money would be return back to my account ace also said that i need to fill out a fraud affidavit and would go into his account get my monet back this took place on XXXX/XXXX/2016 trans number XXXX /XXXX XXXX was the teller there number XXXX want my money back I 'm a great customer of ACES
Consumer complaint received 2023-01-05
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Sokaogon Finance, Inc. (NJ)

I did a payday loan through WhitePine Lending. I didnt know it wasnt legal in my state ( NJ ) nor did I expect it to cost as much as it did. I felt as if I was constantly paying and the debt was never cleared. Now I am getting phone calls at my job and they are telling me they will garnish my pay. 

I also did a payday loan through XXXX. They are also calling my job now trying to do a settlement. I 've done a settlement before with XXXX ( XXXX difference companies yes, ) and I was scammed. I paid XXXX $ and I still had a balance, and it was n't cleared from my name. I do n't know how I feel about doing a settlement. The man was rude
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Upgrade, Inc. (IN)

On XX/XX/22 I applied for a personal line of credit through Upgrade for XXXX. I was discriminated against by Upgrade as they sent me an adverse letter. I have included a copy of that letter in this complaint. The Equal Opportunity Credit Act 15 USC 1691 states that it is unlawful to deny me credit when I came in good faith and exercised my right by completing the application. 15 USC 1602 ( f ) states The term credit is my right and that I can not be denied a right. There are also violations that were committed which I have attached in the letter that I am submitting with this complaint.
Consumer complaint received 2015-06-06
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP (TX)

I purchase XXXX variable load prepaid VISA gift cards ( issued by US Bank ) from XXXX grocery store, with {$500.00} loaded on each. Before I even had a chance to use any of the prepaid {$500.00} gift cards, I discovered that small charges to The Gap had been run on all XXXX cards, and that XXXX cards had the remaining balance charged at XXXX. Upon logging on to the www.mygifcardsite.com to see each card 's transaction history, I discovered that all XXXX gift cards were already registered to some other person and that charges had been run on all XXXX cards. I called the phone number on the back of the card and reported this fraudulent behavior. The Cust Svc Rep indicated that since charges had already been run on the cards, they could block the cards and that I would have to FAX information - including name, address, contact phone number, card nr, CCV nr, Exp date, and copies of the cards, front and back, along with the purchase and activation receipts to the Lost/Stolen Replacement card FAX number and also to the DISPUTES FAX number. The Cust Svc Rep indicated that since charges had been run US Bank could not just simply replace the card with the {$500.00} purchase balances until there is Dispute Resolution for the fraudulent charges - which can take up to 60-90 days. I believe this is quite a long time to wait for replacement cards with the full {$500.00} each value after I was victimized for fraud. The Cust Svc Rep indicated that they get many calls like this - so it appears that the bank is aware of this type of fraudulent activity with their variable load VISA gift cards.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX the state of XXXX filed a tax lien against me. This lien has been reflecting on my Equifax and XXXX credit reports for the past several years. 

I am an XXXX, between XX/XX/XXXX and XX/XX/XXXX I was XXXX in XXXX. During that time I had moved to XXXX different residences due to work. I did not receive notice of delinquent taxes during my XXXX in that state. Nor did I receive notification of delinquent taxes after moving to XXXX on XXXX in XX/XX/XXXX. 

At this point I do not have tax documentation from XX/XX/XXXX through XX/XX/XXXX and will gladly pay the debt to satisfy the issue as it is unnecessarily damaging my credit. 

I never received proper notification of the debt, and am writing to kindly request the tax lien be withdrawn, and I be allowed the opportunity to pay the debt. In addition I ask that Equifax, and XXXX remove that negative information from my credit report. 

I have contacted the XXXX State Department of Assessments & Taxation in an attempt to remedy the issue however was not successful. 

Tax lien information : Case/Docket # XXXX Court : Circuit Court for XXXX County Court Address : XXXX, XXXX XXXX Thank you in advance for any support you can provide.
Consumer complaint received 2015-06-20
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (AR)

My granddaughter XXXX XXXX is XXXX in college with XXXX scholarship in XXXX, Ar. Her home is in XXXX, Ar. approximately XXXX miles from XXXX. 
She injured her XXXX and someone suggested she go to trainer ( XXXX XXXX ) for XXXX. XXXX XXXX works at XXXX XXXX in XXXX Ar. I authorized XXXX to use my Discover card ( XXXX ) as payment for one month of XXXX, consisting of XXXX XXXX secessions for total of {$300.00}. 
XXXX met with XXXX XXXX and agreed on a XXXX month treatment program of XXXX XXXX. XXXX was asked to sign an electronic pad. XXXX never received any copy of the contract they placed her signature on. She attended the XXXX XXXX as agreed and then never went back. 
After 3 months I noticed the monthly charge of {$300.00} & {$21.00} on card statement. I called XXXX and she said she did n't know what charges were for because she had completed her agreement and had not been back. 
I called the XXXX XXXX office and after a discussion requested a copy of contract. I ask them to stop charging the membership, and they stated that there would be a cancellation fee of {$200.00}. They stated that XXXX signed a contract for 12 months and not 1 month. XXXX stated that she would never waste my money by signing a one year contract, knowing that she would only be in XXXX during school and home in XXXX the rest of the year. 
On XXXX XXXX I called Discover and requested a block payments from XXXX XXXX XXXX XXXX ( the owner of XXXX XXXX in XXXX, AR. ). I then called XXXX XXXX. He agreed that XXXX only received XXXX treatments. He said they would refund the other charges and remove her form their data base. A few days later XXXX forwarded an email from XXXX stating that there would be no return of unauthorized charges. 
Enclosed are copies of disputes and block charges with Discover and email from XXXX XXXX, and copy of contract that XXXX name was placed on without her knowledge or consent.
Consumer complaint received 2015-04-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: RFNA, LP (TN)

Had a check returned by mistake from my bank to Republic Finance, they ran the check back through the bank and the bank paid it. I still paid the XXXX or 35 dollar fee. So from then own the XXXX or 35 dollar fee was added to my payment of 188.00 dollars every month. I paid my bill on time every month have bank records to prove it. I did not pay the fee every month just my XXXX payement. Now I have paid them off they say I owe XXXX in fees of which I am not going to pay. It was their problem not mine, I meet all my payments
Consumer complaint received 2017-02-20
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NJ)

this is XXXX her fiancee she is unavailable. I am requesting all copies sent to address of record and will be forwared as we will likely go to court. on this ALL ISSUES REMAIN UNRESOLVED WITH DISCOVER ACCOUNT IS ACCRUING LATE FEES LIKE NONE OF HER ACCOUNTS DO she has never had to stop paying an account due to lack of help here. nothing resolved. no dissatisfaction. disputing fees should not be taken off and as such will wait til its in default, then take legal action showing all attempts to resolve. All that happens is the complaints keep going to the same person who keeps stone walling and scriptiing to death NOTHING RESOLVED. return all letters saying the same nonsense. with no resolution. [ please see previous complaints. ALL complaints made to discover where a bank would reasonably have responded and helped a customer have not occured. Fees that would have been returned despite a Credit agreement ignored and refused, differnetial treatment as well Saying the " spcialty team '' has to get back to you. XXXX is not being paid until it defaults at which time we will take legal action. Others interest due to the refusal to help must be credited. A lawyer will be in touch shortly with discover. I ask this agency to take note that a law protecting consumers must be passed and contact with legislators on this has been made and i need all copies of complaints that are not resolved in any way sent to us. As of today XX/XX/XXXX there is a late fee AGAIN on XXXX A judge will see XXXX never defaults. this appears to be the only way to handle them. Now i will get a message saying some XXXX is " investigating '' and nothing comes of it. Any bank after 30 years of business would help. this one THINKS it will get the money we will go to court no fees, interest will be paid and when we call in no specialty team referral we get normal help or we dont call. A POA was filed as XXXX is currently hospitalized. i will not let this proceed this way
Consumer complaint received 2017-03-14
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (RI)

I made an ATN DEPOSIT inside a Chase. Bank to a Chase account. I made the deposit in denominations of XXXX seconds, tens, fives, and was credit with only the twentys but XXXX of the tens and fives. The shortage of {$620.00} was reported to the Manager who called Customer Service. I was told that the credit would appear in 2 to 3 business days. I was making the deposit to cover a XXXX charge of {$1500.00}. I deposited another {$620.00} in my other chase account and electronically transferred it. The problem started when CS made the decision that the money was deposited into the wrong account although there was almost 2 hours between the ATM not recording my deposit and the second deposit to balance my account. I explained this to the young lady in XXXX plus her Supervisor who could not tell me when the machine was calibrated or checked for error. I was told by the Manager at the branch that the Technician had not serviced the machine. The CS person kept asking me why did I make the same deposit on that day. I was covering a XXXX payment. This situation has been going on for 3 months with no third party verification of checking the ATM.