davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

Hello My name is XXXX XXXX XXXX I am XXXX and my birthday is XX/XX/XXXX. I recently decided to check my credit score because I have been working on paying off my credit cards and bill I have accumulated when I was unemployed. Now I am from XXXX, NC born and raised and I have never lived anywhere else outside of NC at all I went to College in North Carolina. I have incorrect information on my credit report of me living in states I have never lived or even visit and phone numbers that I have never had now this same issue came up when I was applying for my XXXX Debit card I had to send in identification because of those same things on my credit that do not belong to me I am trying to get my credit right and this is not helping at all and I also see inquires on my credit from credit cards I never even applied for and things I never even heard of now I only have XXXX credit cards XXXX and XXXX XXXX XXXX which is closed and One student loan that is open but in forbearance, XXXX account that is closed but I make payments on now only inquires I should have should be XXXX and XXXX XXXX XXXX I have been checking on my credit and getting notification with credit Karma now I decided to try the annual to see if it would show the same because I get notifications every time anything changes now I see this on Experian and its incorrect and I would this to be fixed please because I do n't not want things I never did or applied for to be following me around on my credit that is not right even my student loan people had my address in CA and I had to correct them and tell them that is incorrect I when to school in XXXX NC and XXXX NC which is the only time I every lived anywhere else for school and I had my own place in XXXX at XXXX XXXX which is correct but anything outside of NC is wrong and I never had a car loan my car has been paid off since I was XXXX and I never had I mortgage and I have only had XXXX jobs in my life since I have been working XXXX XXXX, XXXX XXXX and the job I am currently at now. If you could please correct this information I would greatly appreciated I can be reached at XXXXXXXXXXXX if you have questions or if I need to submit proof because I keep all paperwork for everything.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

Experian refuses to reinvestigate an account that can not be validated. They did an investigation XXXX 2013 and will not respond to a further investigation. XXXX placed a collection on my report which they can not validate and I have disputed numerous times to remove. I never opened a XXXX account, there is no payment history, no historical information, charge off statements, dates to validate any of the information, letters of dispute or collection, authorized user information, original terms and conditions of the account with original application and signature, yet monthly the account is updated as valid and late. This is in violation of the CFPB consent order XXXX with XXXX and the reporting requirements of FDCPA and CFPB.
Consumer complaint received 2022-09-30
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)

I am a victim of XXXX XXXX  and sent all required documentation Per 605c, notarized to Equifax, XXXX, and XXXX. 
The adverse information has not been blocked as requested. 
Equifax sent a response to a fraud alert that I did not request. I did not request a freeze, I did not request a dispute. 

Please comply with my request and review all documentation attached. Additional compliance training is needed in detail on how to handle a consumer who is a XXXX XXXX  request to block and what is required. I would like an updated report mailed to me after compliance with my lawful request under 605c. I do not desire to be further victimized. Please comply and avoid further damage to my person.
Consumer complaint received 2015-07-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CA)

AES students loans was paid since 2014, the AES, tranfered to citizens bank, as I file a complaint to citizens bank, and they lower it {$9000.00}, they told me, the citizens bank, will contact, the AES, so they will removed the report in the credit report, I can not afford to pay the credit repair company, Im XXXX, XXXX, did not to there part, there case number before here in XXXX was XXXX. I did called XXXX XXXX, but he told me to sent the copies of the credit report, they should do this long time ago, after they cashed the payment of the said student loans.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TN)

I have filed a validation dispute with XXXX, Equifax and XXXX regarding Bankruptcies that are listed on my credit report. After filing a validation dispute requesting proof that this debt belonged to me, I received a letter in the mail stating that this debt was confirmed and is said to be my debt. I then contacted the Bankruptcy courts who then advised that they do NOT confirm any debts with the credit bureaus. I would like to know exactly who or how they verify debts for any individual, without proper documentations. I also requested a second validation and was told that I would need to provide additional proof to validate any information on my credit report. I would like this information removed from my credit report because the Bankruptcies were never verified and the credit bureaus are lying to the consumers.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (GA)

PLEASE REFER TO CASE NUMBER : XXXX Please Note that I have started an investigation the ID number is enlisted above however, I am not able to add or update any additional information therefore, I am starting a new complaint. BSI stated within their last response to the CPFB that they can not generate a monthly statement for me due to the fact that my mortgage was discharged in a Bankruptcy back in XX/XX/XXXX. Which i rectified with XXXX back in XX/XX/XXXX prior to BSI buying the loan. They also stated and acknowledged the fact that I have XXXX loan numbers with the same servicer when I only have a first mortgage with said servicer. I have yet to receive an explanation for XXXX account number which to me is a violation of accounting principals and standards. Nor have they answered my QWR and debt validation request that was drafted and sent to the CPFB as well as mailed to BSI 's physical location months ago. My loan was also converted from a conventional loan to a FHA loan when BSI bought the loan from XXXX and that explanation has not been explained or rectified either.
Consumer complaint received 2017-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J&L Collection Services (CA)

J & L Teamworks p laced  XXXX  unknown accounts on my credit. I do n't know what the accounts are for- it does not state on my credit. All i know is that the accounts are not mine and i do not know whom they belong to.     I have lived at my current residence for the past 10 years and i have not received a collection or demand noti ce from J & L Teamworks, I dis covered the accounts while viewing my credit report.     I sent them  XXXX  certified letters which they have received but the accounts still remain on my credit and no representative from their company has reached out to me even though they my certified letters.
Consumer complaint received 2016-10-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I started a XXXX in XXXX ( XXXX ) I had to apply through the school to get a XXXX now Navient private loan in order to attend. I added my mother and stepfathers information online as cosigners at the time. Due to a medical situation I had I was forced to leave school and needed XXXX. In XXXX my home went into forclosure went through a divorce, my mother ( co signer was let go from her job ) had her assets repossessed lost part of property and now she is collecting social security. The XXXX school closed in XXXX. I have been going through financial hardship with my XXXX children since. I have however contacted XXXX/Navient several times to make arrangements so I am not digging myself further into debt and not late. I was place on a rate reduction program which was difficult for me but has worked I submitted each payment on time every month. The rate reduction plan is good for 12 months after that time is up my payments and rate increase to 10.6 % which brings my payments to almost XXXX a month. I have explained this is unaffordable to me and asked what help or programs are available to me. In XXXX Navient approved a rate reduction at 5 % then with in the same week denied a me stating I should be able to afford my rate with my co signer.I have all my medical and financial documentation I am asking to lower my rate so I can afford to pay this loan off I have made every attempt to try and have successfully made payments on time I do not understand why any company would make it so difficult to help someone willing to pay there loan. I do not know what options I have and no one is willing to guide me in the direction I need to take care of this matter. My family and my situation has changed drastically since I received this loan going back to the school is not a option since they have closed. I am requesting help at this point I just need to know what to do so I do not put my family in any more financial distress.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

On or around  XXXX    XXXX  , a purchase was made on my  XXXX   XXXX   XXXX  account for approximately {$110.00}. The item was charged to my credit card, but the charge didnt go through according to  XXXX , and the item was subsequently charged to my  XXXX  credit account.   The item was delivered after a delay of several weeks later. The ite m ( Inspiron 3050 - a  microcomputer ) was received at my home add ress ( redacted ).  It did not include an invoice ( an invoice was obtained later after several requests to  XXXX   ). I  was not sent a statement by mail or email. I was never contacted by phone. I never received a bill for this item from  XXXX  or  XXXX   XXXX   XXXX . I was never contacted that the account was in arrears in any way. No request for payment was ever made at that time ( or since ).   At the end of   XXXX  , when applying for a mortgage, I was shocked to see that I had a negative credit report from  XXXX   XXXX   XXXX  for this item. This was the only negative report in my credit history. The negative credit report has resulted in significant increase in the mortgage loan rate that I was offered, which translates to future additional cost in the thousands of dollars.   Subsequent inquiries indicate that : - the account was sent to collections, without ever contacting me - although I was never contacted by  XXXX  with a statement or payment request, the account was reported as in default to the credit reporting agencies - checking the account online, shows that shipping address and billing address are correct ; although no correspondence was sent to this address regarding the apparent default, I continue to receive promotional correspondence from  XXXX  at this address.   - additional late charges and interest have been added to the account nearly tripling the amount due in u nder one year ( >   {$300.00} by the end of   XXXX   )!   - the  XXXX  representative I spoke with on the phone indicated that this handling of the account was not in keeping with  XXXX  policy and that the account should never have been sent to collections.     I feel that the handling of this case by  XXXX  is not a usual or expected business practice for the reasons indicated above. I believe that the proximate cause of damages is directly the result of the mishandling of this case by  XXXX   XXXX   XXXX .     A cheque has been sent to  XXXX ,  XXXX  to cover the cost of the initial purchase.
Consumer complaint received 2017-08-15
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. (MI)

XXXX XXXX XXXX company is still reporting on my credit report that the mortgage was included in bankruptcy in XX/XX/XXXX. However I sold the home in XX/XX/XXXX and the loan was paid in full. I have a paid off letter from XXXX XXXX XXXX however XXXX XXXX XXXX is refusing to update my credit report. I continued to lay the mortgage and the loan was paid in full.
Consumer complaint received 2016-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (KS)

A collection has shown up on my experian and XXXX that is from XXXX, a company in kansas that provides electricity for homes and business. This collection is not for me, it is for my ex-fiances home. I was living with her from around XX/XX/XXXX until XX/XX/XXXX, and there were certain months that i would pay her bills buy putting them on my debit card if she was having money issues and also i was using the electricity also. The account was in her name, but since i had paid it majority of the months using my card, when she allegedly defaulted after we had split up and they could not get money from her they attached a collection to my credit reports. I have tried unsuccessfully to reason with the original creditor and the credit reporting agencies. The ironic part is i have XXXX at my home now, If i actually owed them any money, why would they have gone and given me another account years ago. This collection has hurt my overall credit profile with regards to obtaining preferable financing on homes and business loans, and on more occasions than i can remember cost me from obtaining new lines of credit with banks. My desired resolution to this issue is for experian and XXXX to remove this inaccurate collection from my accounts.
Consumer complaint received 2017-01-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (GA)

APR for this loan is XXXX -- -Finance charges are XXXX from Bigpictureloans . As of XX/XX/2017 they would have taken XXXX from my account and I only borrowed {$450.00} and each time a payment is taken the PAYOFF AMT goes up. The current payoff amt is XXXX, this is just a rip-off -- -please help! This was explained to me as an installment loan -- NOT a payday loan.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank ( formerly GE Capital Retail Bank ) persists in reporting a fabricated FCRA Compliance Date/Date of First Delinquency on my Lowe 's account. My attorney states that this is a blatant violation of the Fair Credit Reporting Act. 
As the attached history shows, my account became delinquent in early 2013 and I entered into an agreement to settle the outstanding debt in the summer of that year. The final contractual settlement payment was made in XX/XX/2013 at which time the outstanding debt was cancelled. Synchrony Bank has reported the FCRA Compliance Date/Date of First Delinquency to the credit bureaus as XX/XX/2013 or XX/XX/2013. Per attorney this is false and unlawful on its face because no delinquency or unpaid debt existed in those months ; all outstanding debt had been cancelled in XX/XX/2013 and could not have been delinquent in that month or the subsequent one. The first delinquency that should have been reported ( assuming the validity of the charge-off reporting here in the first place ) is the original delinquency leading to the settlement agreement.
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

On   XXXX   XXXX   XXXX     I went to Chase to close my account with them and find out that another account was overdraw and ask the Ban k Staff a t the can I close this account once I pay the amount overdrawn I was told no I would have to wait to the cash, Cashier is process in order to close the account. I would like is ther e United State Federal Reserve and United States Federal Regulation regarding this that   state if I was to deposit money not matter it is Cash or Cash Check from another Bank that I would be required to wa it unto the transaction is clear. What are in the United States Federal Regulations about closu re of account and Fraud Account is it legal to hold the customer responsible for Fraud that happen in an bank account debit card and will the bank require to investigate convicted the individual that committed the Fraud many of the banks are make the customer responsible for these charges and what happen to FDIC  Insurance on Unit ed States Banks  Accounts an whe n you open account are the Bank inform customer of the FDIC  Insurance on accounts hand out legal documentation Please investigate ensure that Chase,    XXXX   XXXX   XXXX  ,   XXXX   XXXX   and  XXXX   XXXX  are process and conducting Banking Product according to United States Federal Reserve and United Sta tes Federal Regulations and do the bank supposed to issue Bank Debit and Credit on the spot or is this conce rn a temporary Debit Card because this is was the United States Banks are doing.
Consumer complaint received 2017-02-16
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: TRANSCARD, LLC (NY)

We loaded XXXX onto a gift card to pay our XXXX cell phone bill and on XX/XX/2016 XXXX processed a payment of XXXX everything was fine until XX/XX/2016 when transcard filed a claim against att to have the XXXX returned to them witch att did and then put the amount back on our bill making us repay the XXXX after XXXX returned the XXXX to transcard the money disappeared we called transcard numerous times to asked where our money went and they said they paid att XXXX witch we ask for proof of and the only proof they are provided was for the payment on XX/XX/2016 for XXXX and that was returned to them on XX/XX/2016 leaving us with the bill of XXXX and a balance of XXXX on the card the XXXX is gone XXXX does not have it as it was returned and trans card has no proof of anything other then the one payment in witch they took back and left us out of XXXX stating it 's not their problem
Consumer complaint received 2015-05-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (MO)

I attended XXXX XXXX school in XXXX Georgia. The program lasted XX/XX/XXXX through XXXX of 2014. I graduated in XX/XX/XXXX and have been paying Sally Mae XXXX $ per month ( I was set up on automatic payments ) Last month my automatic payment went from XXXX $ to XXXX. They did not notify me of the change and my checking account is now overdrawn with around XXXX $ in overdraft fees. I called Sally Mae and they said my payment is now XXXX. I told them that I was not working in the field I was trained for and that I could not pay that much a month ( that amount is more than my rent and car payment ) I can not pay that amount and be able to pay my rent or buy groceries. I asked if the payment could be lowered until I get a better paying job which I was trained for. They said no. I told them that I was not going to be able to pay my rent this month. Finally after talking with a " manager '' I was told that for XXXX bucks they would credit my acount the XXXX. That was over a week ago and they have not credited my account. I am still overdrawn at the bank and at risk of being evicted from my houde because I am negative XXXX in my checking account. Not only is Sally Mae unwilling to work with me and lower my payments to something affordable until I get a better job, they lied to me and have not refunded my money so I can pay my rent and utilites. I just want them to work with me and do what they said they would do so I can get back on my feet, be assured that I have a place to live, so I can actually keep my job and pay my bills.
Consumer complaint received 2016-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (AK)

The system to determine income based repayment eligibility at FedLoan Servicing is not compliant with the law, and the company is aware that their system is non compliant. Their system 's default behavior is to ignore spouse debt load while reporting to the customer otherwise. The result is that borrowers are required to pay more than they are required by law. They are willfully using a system that does not comply with the law and then lying about it to customers. 

I was enrolled in the Income Based Repayment program ( IBR ) using FedLoan Servicing. During my annual renewal in early XX/XX/2016, I was erroneously and repeatedly told that I no longer qualified. Using the online calculator that FedLoan linked, it was clear that FedLoan did not use my spouse 's federal student loan debt load to calculate my eligibility. I contacted them on XX/XX/2016, XX/XX/2016, and XX/XX/2016 to notify them of their error. Referencing the mathematical formula to determine eligibility, I included the line-by-line algebra to clearly demonstrate that I was eligible. On XX/XX/2016, I was reinstated with no explanation of their error. I have archived all of my written communication with them. 

I am seeking an explanation for the initial error, an explanation for the company 's refusal to admit the error, and transparency and assurance that the error will not happen again. I am seeking a direct contact to handle my annual recertification in the future.