davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
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 would like all items listed above to be removed from my credit profile immediately, due to several disputes XXXXmonths ago and uploaded documents regarding the disputes such as Police Report and XXXX XXXX Court Document. I have dispute several account with equifax and I submitted complaints regarding several creditors on my credit profile and uploaded supporting documents These companies are still reporting negative on my credit profile which have caused me to to be denied for numerous of credit opportunities. Listed below you will find the complaint number from CFPB and the creditors listed. I would like these issues to be resolved immediately and not just a statement of investigation, There have been Several investigations and no results. I would like for equifax and the companies listed to uploaded all supporting documents, regarding the debts listed on my credit profile. Otherwise I would like to request full investigation from the FTC. This have affected my life tremendously. Need Help ASAP!!!! 
Thank you CFPB Complaint Numbers with the documents attached : XXXX Companies Listed on the credit profile : - XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX : {$7900.00} - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} - XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX : {$170.00}
Consumer complaint received 2019-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/2019, at XXXX XXXX XXXX XXXX XXXX, I tried to use my PayPal account on my phone, and I was unsuccessful. The account was locked, the email did not unlock it, chat was not offered on the app, initially was not provided with a customer service to call. After several attempts to reset via email and texts, I was provided access to customer service at XXXX. I spoke with XXXX, she wanted me to use my computer, which I did not have immediate access to. She had me try the browser on my phone and again it did not reset. Eventually she had me delete my app and reload it, that failed, She then tried to get me to set up a new account. I did not think that was a good idea, even though she said she would transfer the money to the account. Then when I agreed to use my computer, the attempt still failed. She put me on hold, and when she returned told me it would take 24 hours for me to access my money. I told her I thought that was against the law because there was no question about who I was or whether the funds were legitimate. It is a {$50.00} account. She said that was what had to happen. I said I would report it to the governing agency and she said that was ok. I asked her who governs PayPal and she put me on hold, then sent me a new email and asked me to try again. I did try and that time it worked. 
I am very unhappy about the difficulty I faced logging in and the poor help I was provided. The biggest problems were being told I would have to wait 24 hours to access my account during a business week and then being asked to set up a new account which she could transfer my funds to. XXXX told me my call was recorded. 
I would like communication with someone in authority at Pay Pal or know that someone in governing authority addresses this at Pay Pal regarding this issue and how it will be resolved.
Consumer complaint received 2022-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

The method of how Nelnet is handling refund requests has no structure. Please see the below timeline : XXXX called Nelnet to request a refund for my payments. I was told the request was submitted and I would receive an email or a call about the status. 

XXXX or XXXX called again and spoke to a Rep that gave me general information and stated the the department thats processing the refunds arent taking calls, but I would probably receive an email. 

XXXX submitted an email, but received an automatic response stating it would take them 5 days to respond, so I decided to call later on that day. 

XXXX called Nelnet and was told my refund request is in the system, but due to the volume, it would take XXXX weeks to process now. 

XXXX received an email response stating they need additional information to review my account. 

XXXX decided to provide them with the information needed to look deeper into my request.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (OH)

XX/XX/2021 Checking account {$460.00} self service wire transfer out {$25.00} wire transfer fee XX/XX/2021 Savings account {$150.00} wire self service transfer out {$25.00} wire transfer fee PNC BANK XXXX XXXX XXXX  XXXX Bank account was hacked. Notified Bank immediately. Was told 10 days to have my money returned. Then told 45 to 90 days. Now told possibly never. I can not get any information about this case. Please respond ASAP. Already filed dispute with FDIC. Waiting on response. Thank you
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MA)

XX/XX/XXXX - I opened an account with Synchrony Bank. 

XX/XX/XXXX - incorrect phone number is associated with new account ( this was a previous phone number of mine, however I am certain I never gave this information to synchrony bank ) XX/XX/XXXX - XXXX follow an intrusive validation process to gain access to account, set up auto-pay, verify incorrect phone number does not appear within account XX/XX/XXXX - purchase is denied, I try to access my account and find the previous incorrect phone number has reappeared preventing me from accessing the account. Because I have already verified my identity once via phone I must verify identity via mail. Synchrony bank claims they will mail, however they email and the message does not look like the message I would be looking for ( looks like generic " you have a new statement '' message ). 

XX/XX/XXXX - autopayment which I verified was set up XX/XX/XXXX does not go through XX/XX/XXXX - attempt to contact synchrony bank via phone, however their customer support has been replace with a " you have won a gift card '' recording.
Consumer complaint received 2021-12-28
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. (MD)

Civil Liability A debt collector who fails to comply with any provision of the FDCPA is liable for Any actual damages sustained as a result of that failure Punitive damages as allowed by the court : In an individual action, up to {$1000.00} Inaclassaction, upto $ XXXX plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or XXXX percent of the debt XXXX net worth, whichever is less Costs and a reasonable attorneys fee in any such action In determining punitive damages, the court must consider the nature, frequency, and persistency of the violations and the extent to which they were intentional. In a class action, the court must also consider the resources of the debt collector and the number of persons adversely affected Play some in a severe hardship XXXX XXXX Equifax and XXXX are refusing to remove or update the incorrect information that they have in file I need someone to help me I was unable to get My home refinance do you say incorrect information on my credit report I keep calling them and they state they going to remove it and he never did I have send XXXX letters No response
Consumer complaint received 2019-06-25
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. (CT)

I am writing this due to non compliance with the CRAs ( XXXX, Equifax, XXXX ). They have failed to remove information that is affiliated with personal details that were challenged in the past. I strongly believe that they are are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-08-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Seidberg Law Offices, P.C. (AZ)

Seidberg Law Offices is acting as a debt collector for XXXX XXXX. The vehicle in question was repossessed approximately 10 years ago. They have been garnishing my wages to collect a estimate amount of around XXXX. With my current employer they have garnished a total amount of XXXX. That doesnt include what they have garnished of the years. I contacted Seidberg Law Office regarding this supposed debt and they stated that I owe them over XXXX. I explained that the original amount was closer to XXXX and I have been having my wages garnished sporadically of the last 10 years. They stated that although I have made payments the amount more than doubled due to interest and their fees. This is causing undo stress on myself and causing a financial burden. I have XXXX XXXX children to care for and they take close to XXXX monthly.
Consumer complaint received 2022-08-12
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. (TX)

I am highly upset the credit bureaus have not responded back to me about my investigation. 
This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2021-10-18
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. (CA)

I am trying to obtain business credit for my company I have started however, when I tried they told me I have derogatory items that I have since started disputing these items as of XX/XX/2021. I have received a few random notifications since but nothing really addressing the issues of my report or even verifications of items! Because of this, I disputed again on XX/XX/2021, XX/XX/2021 and as recently as XX/XX/2021. I am still waiting on responses from either the bureaus or creditors to update me and let me know what they are doing, or if they're even investigating my disputes!
Consumer complaint received 2019-06-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (MD)

XXXX XXXX billed me when I was covered under medicaid. They reached out to XXXX failed to realize my coverage. WhenM XXXX realized it and told XXXX XXXX, XXXX never reached back out to me yet continued billing. This is a communication issue on all other third parties. 

Ive disputed this with the original creditor Ive disputed this with Receivables MGMT Ive called the credit bureaus. 
Ive gotten an itemized statement in the mail from XXXX  and disputed mutiple times from XX/XX/XXXX-XX/XX/2019. 

I have had success with requesting an early exclusion with XXXX  and they removed The debt from my credit report in XX/XX/2019, Its due to fall off XX/XX/2019. 

I am requesting immediate deletion in this matter.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-12-28
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 (UT)

I work for a XXXX XXXX XXXX XXXX XXXX  plan. We offer Medicare advantage, which is considered a saftey net health plan. Saftey net health plans do qualify as a public service for the elderly. 

Despite this, my employer has been labeled as not qualifying as an employer for PSLF. Because this informatoin is not redily available, my employer will not 'check the box ' that they offer a public service for the elderly. This is causing my loan forgiveness application to be denied, despite the facts presented above. 

Non profit companies ( not 501c3 ) have no guidance on whether they are qualifying employers, despite the fact they can be qualifying employers. Can you please help confirm the qualifying status of a non profit health plan who offers medicare?
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bliksum, LLC (CA)

1-This company called ( Loanme ) is involved in reporting erroneous information about me to XXXX  at the status level where they write : Charge-Off. 
For recall, the account was settled and paid therefore the status shouldn't be charge-off anymore. 
I have attached proof of settlement and paid off on my complaint.

2-This company ( loanme ) is also reporting wrong address information about me.
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was scammed {$25000.00} when I made a transfer from my Bank of America online account to a XXXX account on XX/XX/2022 that was supposed to be the final payment on my house. I had emailed the vendor before making the transfer to make sure the account number was still good. 
On my email, I was given a change of bank account number to make the transfer because they said there was an audit on the previous account. So, I went ahead and made the transfer. 

I waited a couple days for my receipt and when I didn't get it, I emailed the vendor the receipt of the transfer. They told me that they did not receive any payment and additionally, they don't know whose name that was on the receipt. 

I immediately made the report as fraud to Bank of America. I have called them many times because I did not hear from them and waited hours on the phone before someone answered. 

I mentioned to them on my last email that I will get " XXXX XXXX XXXX XXXX XXXX' involved '' and viola!, after waiting 6 months I received an email that I couldn't open and called them and they told me, " unfortunately, the attempt to recover the funds was not successful. They now consider the inquiry closed. '' So now, I would like to know if XXXX XXXX XXXX XXXX  can help me. This is a lot of money for a poor person like me. I am XXXX 

I told them that all banks are FDIC insured, which of course, they know. I don't think it's fair. A scam is a scam. 

I have all the email trails/feed from my vendor and the banking correspondence. 

Thanks so much in advance. 
I'm looking forward to your help. 

Thanks
Consumer complaint received 2021-06-10
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. (GA)

on XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly state that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I file litigation due to the stress you caused me. My information was impacted by the Equifax data breach and my have got into the hands of the wrong person.
Consumer complaint received 2021-06-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

Its been over 5 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

In accordance with the fair credit reporting act XXXX Account Chase # XXXX has violated my rights. 
15USC 1681 section 602 states i have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-02
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 Fair Credit Reporting act XXXX, all this accounts below has violated my rights. 

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

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (DE)

Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company TRANSWORLD SYS INCXXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice, affiant is aware the debt collector, TRANSWORLD SYS INCXXXX can not communicate with anyone other than the consumer, the natural person, in connection with 15 U.S.Code 1692a ( 3 ) or an attorney or consumer reporting agency as permitted by law. However the debt collector, TRANSWORLD SYS INC/XXXX has communicated with the all caps name principal obligor, XXXX XXXX and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 15 U.S.Code 1692c ( b ). Notice, it is a fact, affiant is the consumer, in fact and I, the affiant am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information in the affidavit herein.