davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

I applied for the temporary loan forgiveness program back in XX/XX/XXXX. My loan servicer is Fed Loan Servicing. They have denied my application numerous times. They have only counted my payments back to XXXX accounting for XXXX payments of the XXXX needed. I have been in repayment since XXXX and have all of my employment verified. They are blaming the XXXX dept but I don't believe that. I am seeing other people in repayment as long as me being forgiven every day. I have never defaulted on my loans and feel I am being overlooked for some reason. I have tried to call so many times only to wait for XXXX hours and have to hang up to get back to work. I've spoken to 2 people who were no help. They would just transfer me only to wait longer. I've emailed several times and they keep saying there is nothing I need to do. I just have to wait. I'm worried I will be cut out of the program when it ends because of my servicer. I've filed a complaint with the XXXX dept as well. Please help.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (AR)

Ive sent experian and XXXX multiple of letters concerning this alleged account thats charged off on my credit report. 

They failed to provide me with requested documents, it is my right to ask how they verified account and how they validated the account, experian is just going off a computer based system, with no real investigation, i need help here, if i take them to court they wont be able to provide the judge with nothing but he/she say. 

Could you please have them provide me with what i ask for or remove the negative tradeline from credit reports. 

i need a real investigation to be made.
Consumer complaint received 2021-11-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: MoneyLion Inc. (IL)

I regularly take out " XXXX '' advances on my account. I got behind in repaying the loan and MoneyLion regularly takes out loan payments from my account despite their website saying that I can follow the prompts to remove payment methods in the app, I can not. As a result, on XX/XX/2021 I had a deposit of {$300.00} for my payroll and MoneyLion immediately took {$300.00} dollars of this deposit, nearly all of it, for the loan repayment. I fell that this is predatory and wrong. They have taken the lions share of this month/s income with loan payments and advance repayments and it's literally causing me to go without food and now, possibly shelter. 

Their own website states that consumers are under no obligation to repay the advance, but they make it nearly impossible to stop as the option to remove the payment method simply doesn't exist. 

Further, I attempted to defer the payment in their app, and there is apparently no record of the times I've submitted a deferment via the app. 
https : //moneylion.zendesk.com/hc/en-us/articles/360033425931-What-happens-if-I- can not -make-my-Instacash-repayment-
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Hello, this is a 2 part problem that includes XXXX, XXXX, XXXX, and XXXX. These schools took out loan amounts that were more than the cost of school. 

XXXX keeps pushing Forbearance on me and with calls. What I am for is a income driven pay back plan but I get no help. Now the loan amounts are more than what I can handle. This has hurt my credit DTI and score as a result of both issues. 

Please help! 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

I was looking at my updated credit report and noticed that there is an error that need to be resolved immediately! I feel like I am being taken advantage of. XXXX XXXX XXXX is reporting that I am 30 days late causing my credit score to drop. It is Defamation of Character and is something that I take very serious. I never made a late payment on this account and was a very good customer paying this loan off. I have tried to resolve this issue and I am not getting the help or response I need. My consumer rights are being violated and I will not allow this to happen. I did some studying on my rights granted by Congress and learned that this is a Billing Error. According to 15 U.S.Code 1666 ( b ) ( 2 ) - Billing errors caused by not providing documentary evidence as defined as 15 U.S.Code 44. Pursuant to 15 U.S.Code 44 documentary evidence include all documents, papers, correspondence, books of account, and financial and cooperate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require the clarification in order to address the billing error for the alleged debt. I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open on this account as described in IRS Publication 583. The Credit Reporting Agencies are in violation of my consumer rights according to the Fair Credit Reporting Act. 15 U.S.Code 1681 ( 1 ) ( 2 ) - CRA 's need written instruction to make a consumer report by the consumer. It is a fact that I the " consumer '' never gave the credit reporting agency any written permission to furnish a consumer report. Without my written consent the consumer reporting agency is committing fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition identity theft is being committed. 15 U.S.Code 1681-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I the " consumer '' disputed the fraudulent accounts on my credit report and I have made it clear that this information is is inaccurate.The credit reporting agency proceeds to furnish this information without any lawful authority and is violating my consumer rights granted by the constitution. It is against the law to furnish information without my consent. Reporting this account as being paid late is causing me a great deal of harm. I will seek remedy if my issue is not resolved immediately.
Consumer complaint received 2022-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (IN)

Debt Recovery Solutions LLC. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX Company Listed above recently listed debt collection account demanding {$480.00}. The entry included the supposed original creditor as " XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Contacted company above to find ways to resolve problem relating to negative entry on credit report. Attendant searched company records using SSN and listed contact number. The attendant was unable to find any record supporting " Debt Recovery Solutions LLC. '' claim demanding {$480.00}.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On my transuion and XXXX report, these are inquiries I do not recognize. 

TransUnion - XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion- XXXX XXXX TransUnion- XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX I reached out to the companies and they could not give me any information on where these inquiries came from.
Consumer complaint received 2022-01-09
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: CITIBANK, N.A. (IL)

i asked citibank if they could cut down on number of hard inquirys on credit report they told nothing they could do about it because it was factual when guy i called in XXXX just checked my credit without ne asking him to do so or him asking me
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (NC)

I paid my bill using my routing and account number and it was accepted then the company said that they could not process my payment and I put in the correct information and then they proceeded to charge me fees fraudulently stating that my payment was late. My payment was not late and the funds were 100 % available in my checking account. 
I am currently on XXXX  and was XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I am in the process of applying for long term XXXX and I am recovering from a XXXX XXXX and XXXX  and XXXX. This fee is completely fraudulently as my account had the money in it to cover the payment made with the correct checking account number and routing number. This company is lying and trying to charge excessive fees without reason.
Consumer complaint received 2022-08-03
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because Equifax has been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Equifax for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-06
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)

After I reviewed my credit report, I am still seeing information that is reporting on my credit file that is not mine. Please help me in getting these items removed from my credit file : XXXX is reporting my name incorrectly and misspelled : XXXX, XXXX XXXX and XXXX is spelled incorrectly. the correct spelling is XXXX. 

The following are incorrect addresses : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX Also the following accounts are not mine. I do not know how anyone was able to access my personal information to open these accounts : 1. XXXX XXXX reporting on XXXX ; bal : {$11000.00} 2. XXXX XXXX reporting on XXXX, XXXX, and Equifax ) ; Bal : {$500.00} The following are unauthorized inquiries : XXXX XXXX XXXX XXXX - 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 13 Times XXXX XXXX XXXX  XXXX 2 Times XXXX XXXX XXXX XXXX XXXX XXXX 4 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - 2 Times XXXX XXXX XXXX
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 — Account information incorrect
Company: California Business Bureau, Inc. (CA)

I paid for emergency services in accordance to my copay with health insurance at the time of service. I was told I paid my full amount. I didnt even know about this debt with California Business Bureau which is a colllections agency for the hospital. Ive communicated with with on five difference occasions asking for proof I owe this money, and I am continually provided nothing. They give me nothing. If I owed {$1000.00} I wouldnt have done the service. XXXX XXXX excused the debts to me and said I dont owe it. XXXX has provided nothing, ever, to show me I owe this money.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, FL XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. ()

Hi, I have an account opened since XXXX  with this Bank ( Chase ) ... which was previously with Washington Mutual Bank with which I had a Debit card. I live in XXXX and I wanted to use a Debit card for which I made the Application in XXXX of this year. After several claims and paying international shipping, I received the card more than 1 month ago, but the PIN did not reach me even though the Bank says it has sent it 3 times. I have complained several times ( it has been almost 3 months and it does not arrive ) but they do not give me a solution or are not interested in knowing what happened with the sending of the PIN. They always tell me that the PIN should be mailed to me, but they don't bother to find out. I have even said that I pay for international shipping and they tell me that it is not possible, but no one gives me an alternative or attend to me. They only respond like robots and in the meantime, I can't use my money. I am desperate and I would like someone at the BANK to act and make sure that the PIN reaches me. I really don't understand why they can't use digital systems. My husband 's company has just changed his corporate credit card and he has done everything ( application and PIN ) online. 
I appreciate your management so that they treat me correctly and solve my problem. 

Atach many contacts I did ( in XXXX sorry ) with the Back asking for a soluction where they response as robot .. always the same. 

Thanks XXXX XXXX
Consumer complaint received 2022-07-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back toward the outset of Covid and the shelter in place orders, there were programs instituted to help us. Bank Of America freely started offering a Forbearance program for mortgage payments, which at the time were necessary to help most people. I know for us, our household income dropped precipitously and we, like many utilized this program. One of the companies I worked for, closed, while the other lost most of their work. Most businesses haven't recovered until recently, which is the case with mine. We were offered this solution happily by BofA and needed to utilize it. However way before the end of that 18 month program I started asking about what was going to happen to the deferred payments. Constantly I was told that they were going to be added to the end of the loan. Both for our Heloc and regular mortgage! Well at the end of the period we were told that WAS NOT the case and all the deferred payments were needed to be caught up on or we were subject to foreclosure!! The options were pretty much the standard ones with a 12 month repayment program which would put payments at 2.5 times the payment amount to keep current and catch up!! Impossible! We can/could keep up with regular payments if the forbearance was added to the end of the loan AS IT WAS REPRESENTED!!! We ae older adults and to qualify for their modification is not as easy because earning power for older adults is not the same. We were turned down for a mod although they are having us apply again since there is an increase in work for me BUT I am dubious AND IT SHOULDN '' T HAVE TO BE LIKE THIS!!! THEY SHOULD BE HELD TO THEIR WORD!!! Included is documentation to show the past due amount, 2 months extra than the actual forbearance because they quickly put us in foreclosure and would not allow payments!! TOTAL DECEPTION!! 

Also, there is a game they are playing with us trying to communicate in trying to keep up with communications. XXXX on the loan has authorized XXXX on multiple times and she has ALWAYS been authorized to speak on the loan but now there is always an excuse as to why the authorization letter is not approved. Usually centered on the signatures not matching, so as instructed a recent NOTARIZED updated signature was obtained and sent to BofA!! One division Heloc, approved authorization while main mortgage won't. Even though signatures do match. As they say TIME SENSITIVE but they keep throwing roadblocks in the way! Suspicious in my view!!
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Armcon Corp (WA)

COACHELLA VAL COL SV is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( COACHELLA VAL COL SV XXXXXXXX )
Consumer complaint received 2022-01-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the dateof the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-11-06
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)

Wrongful information reporting on my credit report contacted Equifax to have inquiries removed. 
XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX & XXXX inquiry date XX/XX/XXXX XXXX bank inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

This SYNCB/OLD NAVY XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

SYNCB/OLD NAVY XXXX
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

On XX/XX/2017 I went into a dealership to get a car and used my credit card pursuant to 15 USC 1602 ( l ) making it a consumer credit transaction. The entire credit sale was complete at the signing of the instrument- ( 3-104 ( e ). ) I have noticed that on my credit report that XXXX XXXX XXXX is reporting late payments tarnishing my consumer credit report when the car was already paid for.
Consumer complaint received 2020-11-10
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. (NJ)

I have experienced identity theft at the hands of someone I do not know. They have used addresses, opened accounts, which left me with a depleting credit score. I need this incorrect information deleted from my report so I can move on with my life.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

i talked to XXXX  XXXX and they said they couldn t do anything in response to me asking them to remove hard inquiries from my credit report and they said i should call credit bureau which i did so i keep getting run around when their not honoring their policy of no harm to my credit when i check