davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
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: I.C. System, Inc. (OR)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

I have been on an Income Driven Repayment ( IDR ) plan for the entirety of my time in repayment with XXXX. This year, I submitted my IDR recertification request on XX/XX/XXXX. The prior years IDR recertification, I submitted my request on XX/XX/XXXX, which was approved and implemented without issue. On XX/XX/XXXX, I received a denial letter from XXXX stating, it is not yet time to recalculate your payment. We will notify you when it is time to submit your annual recertification documentation. '' I relied upon this representation from XXXX. I got no other letters from XXXX about submitting my recertification documentation. The next letter I received arrived in my online inbox on XX/XX/XXXX, and indicated that XXXX had not received my complete annual documentation, resulting in my increased payment and capitalized interest. My application was submitted prior to the deadline and I received no information regarding a penalty for applying too early. Additionally, I received incorrect and misleading information from XXXX regarding the time to re-submit my application. I relied on this information and, as a result, was incorrectly removed from my IDR plan, had my payments increased, and had my interest capitalized. Finally, XXXX had a valid and complete application on file at all times relevant to this issue that could have, and should have, been processed. XXXX 's customer service has been unhelpful and has given me contradictory information every time I call. I have submitted a full appeal letter trying to resolve this problem, and have still not heard back from them. Meanwhile, my account is past due and they keep pushing me to go into forbearance rather than just fixing their error so that I can make my normal IDR payments.
Consumer complaint received 2022-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

I have received several calls from XXXX in an attempt to collect a debt. I have pulled my credit report and there are no accounts in collections. They keep calling from different phone numbers. The calls begin around XXXX AM and I receive several calls throughout the day. I have nothing in collections and all of my accounts are in excellent standing. I have worked so hard to improve my credit and I pay all bills on time always. 
I looked at the complaints on the XX/XX/XXXXwebsite and there are hundreds of complaints that are similar to mine.
Consumer complaint received 2022-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

I did a Modification in XXXXXXXX XXXX XXXXXXXX. The interest rate is 4 % for the life of the loan. In XXXX they started charging me 5.125 % I called them 12 times now. Everyone agrees Im correct but they refuse to correct it. I stopped paying my mortgage in XXXXXXXX XXXX XXXXXXXX until they fixed it. Now they are sending threatening letters. I have the money to pay them, but 8 months was plenty of time to fix this. I have all the phone conversations recorded if you guys need them. I attached the modification, please see page 2 paragraph 2. I also attached a statement showing the illegal interest. They take no responsibility then threaten me. This is not right and they should be held accountable.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX, XXXXXXXX XXXX Charged Off my credit card balance after I was diagnosed with XXXX XXXX XXXX XXXX XXXX XXXXXXXX of which they filed an IRS 1099 C that I submitted with taxes. On XX/XX/XXXX, Equifax reported the XXXXXXXX XXXX charged off as new on my credit report without my knowledge which causing my student loans to be denied by XXXX XXXX XXXX XXXX US Department of Education. I spoke with Equifax twice about the error and their investigation showed no error on their part and blamed XXXXXXXX XXXX for the error. I talked with XXXXXXXX XXXX twice and both times they claim there was no error in the way they report charge off on my account, other than I was still delinquent in payments even though it was filed as a IRS 1099 C. 

I did not know of the of the XX/XX/XXXX Equifax-XXXX Reporting error until XX/XX/XXXX when I filed for the XXXX XXXX XXXX XXXX XXXX. It also did not show on my XXXX XXXX account until after my student loan was denied. This caused my credit rating to drop about 10 pts on both Equifax and XXXX XXXX. XXXX XXXX did not show any new charge off on my credit report account with them. I appealed the denial of my federal student loan with XXXX XXXX XXXX and on XX/XX/XXXX after submitting documentation, my appeal was approved. 

Equifax also required me to subscribe to their upgraded service to review the reporting issue and would not send any documentation to me on whether the reporting issue was fixed. I had to wait until the month of XXXX in order to find out that my credit report had been corrected or not. Both Equifax representative would not divulge any information about there investigations into my account that was completed in one day and not corrected. 

This Equifax reporting error has caused financial emotional harm and jeopardized my XXXX XXXX in XXXX XXXX and Policy at XXXXXXXX XXXX. Equifax outward attitude of denying problems affecting people 's credit report is appalling and I am sure it is more widespread than they claim.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST FINANCIAL BANCORP (IL)

ONLINE PUPPY SCAM STILL UP & RUNNING : XXXX robbed me of two bank transactions. One for {$950.00} through my XXXX XXXX XXXX and XXXX XXXX  in XXXX XXXX, IL XXXX Account XXXX Transaction ID XXXX and another for {$610.00} XXXX Transaction ID XXXX to a XXXX XXXX XXXX XXXX Account email XXXX I have over 90 emails between him and I with fake shipping receipts from ( check it out ) XXXX in which I was given the Tracking # XXXX telling me my puppy as at the airport and asking for more money, and I also have my telephone logs, etc. The Online Puppy Scammer 's bank account is with : FIRST FINANCIAL BANK, XXXX XXXX XXXX, XXXX, IN XXXX telephone XXXX I WANT MY MONEY BACK. I AM A XXXX XXXX ROBBED OF AN EMOTIONAL SUPPORT ANIMAL DURING THIS PANDEMIC. THERE GOES MY STIMULUS PAYMENT! HELP, PLEASE!
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc. (TX)

IN RESPONSE TO CFPB:XXXX XXXX XXXX XXXX Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.
Consumer complaint received 2022-08-10
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: GOLDMAN SACHS BANK USA (FL)

Two charges were disputed 1. Was to XXXX on XX/XX/XXXX for XXXX XXXX. Was XXXX on XX/XX/XXXX for XXXX. I disputed both these transaction as fraud. Goldman Sachs did not file the dispute for either charge when I called. They issued me new card numbers when I called in XXXX and XXXX. I had to call back again on XX/XX/XXXX to find out no dispute had been submitted. On XX/XX/XXXX a representative told me they had not been submitted. I transferred to a supervisor who changed the story and told me they had, but couldnt explain why I hadnt received any information on the dispute.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (RI)

I deposited some checks for the amounts of {$2400.00} and {$4800.00} on XX/XX/2022 and after several days at the Chase bank, they sent me a letter saying that my account had been frozen because they could not verify the checks. the checks are from the same company and have information showing where the checks came from. I called and spent about 20 minutes trying to fix the problem. I went to the bank twice, lasting more than an hour on each visit, giving them a phone number to verify the checks, but they can not verify it because the phone numbers are not there. registered in your system. I went to the XXXX XXXX offices and they confirmed that Chase Bank has the funds with them and that they don't understand why they don't deposit it to my account. I called the bank with the XXXX XXXX representative and they didn't want to talk to her because they have to call her but when they were given the number they told me they couldn't call her because once again the number is not registered. The numbers on the pictures shows how many a search and called trying to verify these checks. I haven't been able to make some of my monthly payments because I haven't even received the remaining money in my account when it was closed. This situation will also affect my tenants because I have to start an eviction process for non-payment since the checks are from the rent relief program.
Consumer complaint received 2019-02-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (GA)

I attended XXXX University from XX/XX/XXXX to XX/XX/XXXX online out of state. They are currently under a lawsuit settlement & have paid off or forgiven former students loans. I'm wondering why I have not been contacted & this outstanding loan of {$69000.00} is showing on my credit incurring interest.
Consumer complaint received 2022-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (MD)

PNC is blantatly stealing money from its customers and people who are no longer their customers. PNC should be shut down. 

A bank transfer of XXXX was sent on XX/XX/2022. This was sent to a closed account, PNC will not reverse the money. There is no account, I have no account with PNC, they are stealing and should be liable. 

I closed stopped using my account because of this exact reason. PNC then took retaliation for this. The account is closed and they are still taking retaliation.
Consumer complaint received 2022-04-25
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. (TX)

In Accordance with the Fair Credit Reporting Act, the list of accounts below has Violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than record of convictions of crime which antedates the report by more than seven years. 

Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Unauthorized inquiries : XXXX - XXXXXXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry XX/XX/XXXX
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY ()

My ex-wife and I were divorced in XX/XX/XXXX. In XX/XX/XXXX she filed for bankruptcy and subsequently turned over the vehicle included in that bankruptcy to Wells Fargo. After running my credit report in XX/XX/XXXX the remaining amount of the vehicle loan, {$5200.00} was applied to me. The loan in its entirety was covered under her bankruptcy which Wells Fargo confirmed with me. Since I was a co-signer, ex-wife being the primary they told me they could still collect from me. When I asked about paying it they informed me it was not payable and a closed account. They also informed me they could not remove it from my credit report. This is stopping from gaining employment in my field and purchasing a home. The {$5200.00} they are showing is the only debt showing in my report. Can you please get this removed. In addition on three separate phone calls the representatives have informed me they would provide me documentation stating the debt is no longer payable. That documentation has never arrived.
Consumer complaint received 2019-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

Please note that the dispute case number is XXXX. 
In XX/XX/2018, a service was paid for using PayPal for services to be expected from Mrs. XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX. However, this person did not complete the service. The protection of PayPal in an instance like this was the only reason for using such a payment method. PayPal is aiding the seller of a service, rather than protecting the consumer who used hard earned money to pay for what is sought to be a scam. Mrs. XXXX was allowed to keep the money for a service that she advertises as organizing with PayPal as her preferred method of payment. I opened a dispute with PayPal and they denied my case and decided in the favor of XXXX XXXX. There isn't too much to report and confuse things. It's simple XXXX XXXX charged me for a service using PayPal and she did not fulfill the commitment, therefore, I the consumer are titled to my money back.
Consumer complaint received 2021-03-15
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. (AL)

Equifax is reporting a child support account with AL Dept of Human Resources on my credit report as 120 days past due when the account has been paid since XX/XX/2020. The comments even show that the account is PAID. However, the account status is STILL reporting as 120 days late. I have disputed this account as inaccurate and pointed out why multiple times. The account is still reporting the same way.
Consumer complaint received 2022-10-27
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. (SC)

Creditor : XXXX & XXXX XXXX ( Original Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX  ( Original Creditor : XXXX IN ), Account : XXXX Reason : Delete this unverified and inaccurate account
Consumer complaint received 2019-02-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC (GA)

The car was originally financed with XXXX  XXXX, from my knowledge the company is no loner in business and Westlake Portfolio took over our loan. The XXXX XXXX XXXX I purchased from XXXX XXXX XXXX XXXX XXXX   in XXXX, GA came with numerous problems making it a Lemon Car. Within the first week of purchase the car had a {$1200.00} transmission issue I was able to get the place of purchase, to correct. 2 months later another issue with the catalytic converter arose making the car not passable for an emissions test, along with wheel bearing issues appearing all with in 2 months. The value of the car was drastically cut a year later making it only valued at {$4000.00}, half of what the {$8000.00} loan was for. With already {$5300.00} invested in a lemon car and taking a huge loss I could no longer afford to invest payments in a car I could not drive on the road and voluntarily gave the car back XX/XX/XXXX. I personally called their towing company and handed it over. I was willing to pay the difference of the value of the car and what I've already invested in the car since the purchase in XX/XX/XXXX. They sold the car for {$2400.00}. They've received double the value of the car from me already. I presented Westlake Portfolio a settlement offer and they refused to provide me a letter before I paid on the agreement we came up with stating if I paid they would remove the debt from my credit. They wanted me to pay first, then they'd send me a letter via DocuSign stating what we agreed to. After being persistent they provided me with a vague letter stating they'd report it as settled. Not the agreement for " settled, paid for deletion '' we came up with. I've had to deal with numerous rude reps who like to think they know more than the consumer and being threatened by XXXX XXXX, a supervisor in the charge-off department on XX/XX/XXXX who said " they have ways to get the money from me '' I had to remind him that debt collectors are not allowed to threaten the consumer for wage garnishment, send harassing phone calls etc. I disputed the amount owed with Westlake and do not take ownership of the debt account in anyway. I have come with a settlement amount with them and WAS willing to settle this debt just to be done with them as long as they provided me with some assurance before I paid them. The trust between me and this company is gone and I will not pay on a debt I do not agree I owe unless they provide me with a letter stating they'll do as they say because they've already threatened me.
Consumer complaint received 2019-02-15
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. (AZ)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-03-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

XX/XX/XXXX-XX/XX/XXXX. 
This college is part of the XX/XX/XXXX Lawsuit. 
Their credits were useless not able to transfer college units plus their studies were incomplete and they were giving a degree an XXXX XXXX After incomplete after incomplete studies. During around XXXX  close their doors Those students were forgiven of their student loan. I was not forgiven of my student loan because I was not a student in XXXX. 
That should not matter Because they were also in violation when I went there.
Consumer complaint received 2022-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I received a payment of {$1500.00} on my VENMO account. I initiated a transfer of those funds to an account I use to have at XXXX XXXXXXXX XXXX I had not transferred money to that account in a while and immediately realized after I had requested the transfer that my account at XXXX XXXXXXXX XXXX ( now XXXXXXXX XXXX ) had been closed. There is no option to cancel a transfer on the VENMO app. When I went to the pending transactions portal there is an option to request a cancelation. I proceeded by pressing the option link and was prompted to a series of questions, including whether the transfer had been initiated within the hour and I responded YES. I was then sent to a live chat. When I requested a cancellation of the transfer because I mistakenly sent it to a closed account, I was informed that nothing could be done. There was no explanation as to why a transfer that had been initiated only minutes earlier could not be cancelled. Now I may be without access to my money for several weeks until this matter is resolved.
Consumer complaint received 2019-02-14
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. (GA)

I'm in the market for anew XXXX XXXX so went to see about getting one from XXXX XXXX but did not get approved so I checked my credit report and I see a couple of items that are not mine. I contacted my local police and the FTC. I'm working on my own behalf. I need these items removed from my credit report because this is a complete inconvenience. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX