davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

I went back to school during the COVID forbearance ( in XX/XX/XXXX ) which put me into an in-school deferment. This can be confirmed by the notice I received from Great Lakes on XX/XX/XXXX which I've attached to this complaint. The notice states, " Your request for deferment has been approved and has been applied to your accounts through XX/XX/XXXX. '' Towards the end of the letter it reads, " You can cancel this deferment at any time by calling us. '' Given the ongoing COVID forbearance, I have looked into the PSLF program and its temporary waiver. I understand that time spent in an in-school deferment does not count towards PSLF-eligible payments XXXX I have been working full-time for a PSLF-eligible employer since XX/XX/XXXX. I want to take advantage of the PSLF program and hopefully get these 2+ years to count towards the 10 years needed for forgiveness in the PSLF program. 

Today, I called Great Lakes to ask if they could remove the in-school deferment on my account. I spoke with multiple people and each one told me they could NOT remove the deferment on my account. When I asked why, I got different reasons, including : - I needed to be in an in-school deferment period in order for them to remove the deferment on my account ( I told them that according to the communication I received in XX/XX/XXXX, I should still be in an in-school deferment period - they said I wasn't anymore, even though I never received any updates or communication about this change in status ) - They can't retroactively remove the deferment on my account, even if I was still in an in-school deferment period ( The notice I received clearly states that I could call them at any time to remove the in-school deferment status ) Based on the communication I received from Great Lakes back in XX/XX/XXXX, I should be able to remove this in-school deferment status at any time, which is what I'm trying to do, but the representatives I have spoked with told me that they can not.
Consumer complaint received 2022-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Mercari, Inc. (CA)

My name is XXXX XXXX. The email I used for my Mercari account is XXXX. 
I ordered a monitor off of Mercari, a selling website where people can make listings for items. I ordered a monitor that I confused with another model, and this person 's particular page didn't have the exact specifications of the monitor, so no details about resolutions, or if their internal features were working, it was just listed as working as a whole. It said on their selling page that it would come with its mounting stand. 

I received this package and it came without its mounting stand, and a defective XXXX module inside of it, not letting me use a proper feature of the monitor without messing up the imagery on the screen. I promptly contacted Mercari for a refund because this was not what I was expecting, and they asked for pictures of the monitor which I gave them. They then said there was nothing they could do and refused to give me my money back, and marked the purchase as complete and the return was denied. I need that money for my tuition. The monitor was {$410.00}, the warranty purchased alongside that was {$29.00}, both purchases were made on XX/XX/2022. The item ID for the monitor is XXXX. 

Please help me. I need my money back for college. Mercari is refusing to give me any compensation for it and I have a monitor I can't use now. The seller wants to accept my return but Mercari doesn't want to accept it. Please please help me.
Consumer complaint received 2021-06-02
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. (NY)

Good Day my name is XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. A notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2019-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

Sometime in XX/XX/XXXX I call Helvey and Associates for my XXXX XXXX  account that I paid in full. I was told that it would be deleted and its still on my report even though it says that it's closed that was not what I were expecting I want them to do what I was promise I never receive my deletion letter as well, please make them keep their word I was also told by the lady can not remember her name that some kind of law pass like 2 or 3yrs ago that any bill that is paid in full will automatically be deleted because of the law.
Consumer complaint received 2021-07-31
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: JPMORGAN CHASE & CO. (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( XXXX, XXXX, and XXXX  ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. The account was also deleted from my XXXX  report as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX  credit reports, the account needs to be deleted from the XXXX  and XXXX  credit reports immediately. 
The information for this account listed on my credit report is : CREDITOR : JPMCB AUTO ( XXXX  ) and JPMCB AUTO-FINANCE ( XXXX  ) XXXX, BALANCE {$0.00}, OPENED XX/XX/2012, ACCOUNT XXXX ( XXXX ) / ACCOUNT XXXX ( XXXX  )
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Equifax has violated section 611 ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy On XX/XX/2018 I received my dispute results from Equifax. In the results it shows the account I disputed, XXXX XXXX  that had a balance of {$4500.00} deleted from my Equifax credit report. I just recently looked at my Equifax report and I see Equifax has reinserted the account back on my report without notifying me. According to the FCRA section 611 ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy it states, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion. Equifax did not send me anything in writing about a reinsertion which is a violation under the FCRA. Please remove this account immediately. It was removed in 2018. Please check attachment. It will show the account was removed in XX/XX/2018 2018
Consumer complaint received 2022-04-15
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. (FL)

XXXX XXXX XXXX is showing I have a {$10.00} current open balance for my XXXX account. However, XXXX is not reporting properly on a monthly basis to Equifax. What they are reporting is a XXXX balance and closed account. XXXX  I've submitted disputes to all three credit agencies and thru Consumer Finance Protection Bureau and asked for an open balance letter from XXXX showing what is owed. XXXX finally sent me the letter. 

I've spoken to 4 different XXXX XXXX XXXX supervisors over the phone and no one could help me. I went to the XXXX dealership to explain the situation to the account manager. They immediately called XXXX XXXX XXXX- they could not rectify the problem. As of today XX/XX/22 Equifax and XXXX still show that my XXXX account is closed. XXXX is finally showing the proper information that says " in good standing ''. 

This is severely hurting my credit score and causing a higher apr interest rate for the mortgage that I am supposed to close on next Wednesday, XX/XX/XXXX.
Consumer complaint received 2021-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

Bank : CITI Payment made : XXXX XXXX on XXXX XX/XX/XXXX CREDIT CARD XXXX  XXXX  postponed my trip on XX/XX/XXXX due to Covid travel restrictions. 

*Please see the email sent by XXXX XXXX postponing my trip - XXXX XXXX went into administration and became bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for. 

*Please see the attached email sent to me by the insolvency practitioners, XXXX on XX/XX/XXXX, informing me of the administration. 

I attempted to open up a chargeback dispute on XX/XX/XXXX using the Chargeback code XXXX for credit Merchandise services not received. 

I have been waiting for 12 months and have filed 3 dispute inquiries and Citi has refused to open up the dispute on the basis that The Merchant is not willing to refund Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. The merchant - XXXX XXXX XXXX has ceased trading. 

See Companies House as evidence that XXXX XXXX is about to be liquidated : XXXXXXXX XXXX XXXXXXXX The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. 
In my case this should be my refund credit note which was due to expire on XX/XX/XXXX. 
It was made clear to me that if I didnt use the note by this date, I would be fully refunded. 

They may also use the date I found out that I would not receive the trip ( XXXX XX/XX/XXXX XXXX as I first tried to open the dispute on XX/XX/XXXX Here are Mastercards rules : On chargebacks there is normally a 120 day limit, but this can be extended to 540 days if the services were to be provided at a future date. So, for example, a holiday. 

I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund. The XXXX Government backed XXXX XXXX XXXX are advising me to do the same via this letter XXXX : XXXX I have been informed by XXXX XXXX and the administrators for the company, XXXX, that I am not financially protected in any other way.

*I have attached a copy of the flowchart sent to me by XXXX - please see the red box in the bottom right corner clearly showing that US customers are not protected by financial failure insurance. 

*Please see the XXXX XXXX XXXX relevant to my booking that clearly shows that insurance was in place for XXXX  customers only I would like CITI to open my dispute and refund me, in accordance with the Fair Credit Billing Act. 

Thank you XXXX XXXX
Consumer complaint received 2021-09-14
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: Affirm Holdings, Inc (NJ)

In XX/XX/2018 I had requested a copy of my credit report. I had noticed that Affirm was posting that I had an account with them and it was late. I immediately contacted the company and notified them that I had not applied or accepted any credit from them and that this was possible fraud. The company stated they would investigate and forward all information to me in regards to the investigation. The only thing I received was a letter stating that the account was determined to be mine and would have to pay the amount charged. I tried to dispute this with the company asking for proof which they refused to provide ownership. I have tried to contact the assigned investigator and have not received any call back nor anymore information in regards to this matter. Affirm continues to report to the credit agencies that my account is in charge off status and refuses to remove the reporting of this as fraud.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-31
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. (NJ)

In the year XXXX my credit score was a XXXX. I applied for credit in the year XXXX and was rejected with a XXXX credit score. I obtained a rental apartment and have been paying rent for two years. I have not applied for any forms of new credit during my two years renting at my apartment. Today, XX/XX/XXXX, I applied for a XXXX & XXXX XXXX and was denied with reason my credit score is a XXXX. I am complaining to the credit bureaus that they keep dropping my credit consumer score to very low levels. This is not the first time my credit score dropped very low and each time I work very hard to reestablish my credit image. I work very hard to reestablish my credit image and when I am not paying attention to my credit score, then i find out that my credit score has dropped again. There is no reason why the credit score should drop ; in fact, my score should be increasing with my rental payments. This is psychological abuse of character and defamation of financial image. I realize my credit score can not grow because the bureaus keep dropping my credit score to crippling unreasonable score levels. I am born in America and a citizen of this country but my credit score is that of a foreigner who has just arrived at this country and is a student. I have almost XXXX years of credit history in America. I am shocked to learn that in XXXX  XXXX years as an American citizen my credit score is a XXXX. When will this attack stop!
Consumer complaint received 2022-04-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (WA)

I opened a business checking account for my small business 20 years ago with Wells Fargo. For some reason at the time they required me to open a business savings account in addition to the checking. I haven't used the savings account in all this time, but I recently closed my checking account. Today I got the statement for the savings account which reminded me I needed to close it too. I tried to do so at a Wells Fargo branch. The teller said I wasn't authorized to close it, as did the banker. They said I was listed as an " employee '' on the account instead of the owner. I told them I've always been a sole proprietor and never had any employees. They said it was an error in their system. I asked them to fix the error and allow me to close the account immediately. They refused, saying they had to investigate their error before allowing me to close the account. I asked them to use the same criteria that allowed me to recently close my checking account to close the savings account ( since the accounts were linked ). They refused. First they forced me to open an account I didn't need, now they won't let me close it. Shameful business practices from a notoriously shameful company.
Consumer complaint received 2021-07-31
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. (FL)

I faxed a letter to Equifax XX/XX/2021 stating my identity was stolen. I completed an FTC identity theft report showing how my identity and followed the FTC identity theft guidelines as listed. According to FCRA 605B, the fraudulent information on my credit report : addresses XXXX XXXX XXXX XXXX, NJ XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and This collection account XXXX XXXX XXXX XXXX  Account # XXXX, should have been removed and blocked from my credit report in 4 days. My rights as a US Citizen are being violated by Equifax and this information will be included in my lawsuit if this isn't handled. I subsequently also completed a police report with the city of XXXX Police dept which I have attached.
Consumer complaint received 2021-07-31
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2021-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (OH)

Im writing this letter to inform you that my charged off account ( credit card ) amount was changed by US Bank. As a consumer I know my rights, once an account is charged off the amount can not change. The US Bank account was charged off in XX/XX/XXXX with an amount of {$2300.00}. That amount was changed and updated on my credit report XX/XX/XXXX for {$2300.00}. 

A letter was sent to me on XX/XX/XXXX, stating that US Bank do periodically checks on consumer report. The letter stated that a charge was on my account that did not belong. It states a return payment fee was charged to the account. If the account is charged off, the amount should not change. I would like this deleted from my credit report account due to USBANK negligence. 

This is ground for deletion. Please delete account from my report. Please delete from all three credit agency.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (VA)

FedLoan Services transferred my XXXX XXXX to XXXX in XX/XX/2022. I noticed on my credit in XXXX that Fedloan continues to show my loan as open/active with over a $ XXXX balance. I now have XXXX student loans balances owed ( XXXX ) on my credit report!! I contacted Fedloan and they would not speak to me and the recording said for me to contact XXXX. I contacted XXXX and they said I had to dispute my credit report. 

I disputed both XXXX and XXXX and both results came back as account active and will not remove close/remove Fedloan from my account. I have since been denied credit as a result of this exorbitant loan balance and my debt to income ratio has been impacted.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NC)

i would just like to complain about how stupid the credit score system is that when you finish paying off a loan even without ever missing a payment your credit score drops instead of going up i finished paying off my installment loan from XXXX XXXX and my score dropped by XXXX points an 8 month loan reported on my credit report on experian today XX/XX/2022 2022
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureau is reporting inaccurate information on SYNCB/VALUEC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.