davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (FL)

Validation of debt was submitted to this company via certified mail on XX/XX/23. Receipt of confirmation as received. They failed to respond to the validation of the debt. IQ Data International and the Original Creditor XXXX XXXX XXXX  were contacted regarding incorrect charges. Both failed to respond. IQ Data International also violates FDCPA guidelines by not allowing enough response time on their original notification.

The amount of debt IQ Data International intends to collect is {$1900.00}. That is incorrect. I never refused to pay the debt. I asked the debt collector to contact the original creditor to revise the amount and contact me when the charges were revised. I was not contacted, and the company did not call me after they received the validation of the debt and had to cease all communication to remain in compliance. But they should've contacted me in writing. This indicates that they did receive the XXXX, yet failed to respond. IQ Data International proceeded to report this debt to my credit, they were also contacting my child who was a minor at the time the account in dispute was opened.
Consumer complaint received 2021-05-11
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. (VA)

I have an ID Notify credit monitoring account with Equifax due to the XXXX hack of a few years past. My Social Security Number was among those hacked. After that hack, I ended up with all kinds of impersonators. It seemed for a while that every other month a credit firm contacted me about an attempt to use credit in my name. I keep a folder of just that correspondence. 

After being responsible for such a hack, Equifax should work to protect me, not allow a scam using my good name and credit. This is not the case. 
In XXXX I found a negative and damaging report on my ID Notify site. 

The claim is that I owe {$4300.00} to XXXX XXXX and the collection agency XXXX XXXX XXXX of XXXX PA XXXX, ( XXXX ) XXXX, has reported the outstanding debt to the credit bureaus. 

I finished school nineteen years ago. Ive never heard of XXXX XXXX XXXX XXXX XXXX XXXX before now, and neither one has ever corresponded with me. How did it get in collections? Obviously neither knows a thing about me like my address or phone number. Ive had both for 6 years this Fall. How did they approve credit in my name? Isnt this disconnect obvious to Equifax? 

After a few weeks they sent me a letter stating that the negative report stands. This is not my debt. 

I tried to log in to the Equifax online site to address this issue, but my ID Notify Username and Password do not work there. I provided my Birthdate and my SSN to get an email reminder. Equifax sent an email to XXXX. I have NEVER had a XXXX email. So Equifax gave my info to the XXXX  and has an email address for me I have never had? I see from their attached credit report they have me as having lived in or operated businesses in XXXX and XXXX. I visited XXXX for my sons graduation from XXXX XXXX XXXX. Ive never been to XXXX. Then Equifax has the audacity to attach a negative report to my credit and refuse to amend it because the collection agency is sure it is me. Equifax cant even get my info right except what they gave the XXXX How do I prove it is not my debt if I have never heard of any of these organizations in my life? How do these credit agencies get the power to ruin ones life? 

The report they sent me said I have options. I turn to your offices because to deal with Equifax has become nothing more than an exercise in futility. Please help me remove the negative and unjust report from my credit report. I have worked so hard to have good credit, and just when I need it most for an auto loan, this blow to my credit comes out of nowhere to ruin my good credit and good name.
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (TX)

I have received multiple email from an individual by the name or XXXX XXXX from TrueAcord claiming that I owe a debt from XXXX  XXXXXXXX XXXX I have never had a credit card or any other debt to that company. It also states on the email that they can no longer sue based on the date of that debt. 

I believe its a scam because when I researched that company and its affiliated XXXX XXXX theres many people complaining that they are being contacted for debt that is not theirs. 

Their phone number is XXXX
Consumer complaint received 2022-01-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (WI)

I have a Roth IRA with Ally Bank I contributed {$4000.00} over 5 years ago I took out {$3500.00} which is not a taxable. The bank sent me a 1099r for ealry withdrawl. It was not a withdrawl on earnings made from the roth IRA it was part of what I put into that account. I can withdraw contributions I made to my Roth IRA anytime, tax- and penalty-free. However, you may have to pay taxes and penalties on earnings in your Roth IRA. Withdrawals from a Roth IRA you've had less than five years
Consumer complaint received 2022-10-19
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. (NC)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

I ( XXXX XXXX ) is filing a complaint against Morgan Chase Bank the loan department fell to inform me about information on " Good Faith Deposit '' I was previously told by ( XXXX XXXX ) that this {$500.00} dollars deposit was for to lock in my interest rate for the home XXXX XXXX XXXX XXXX Ohio, XXXX then I was later told on XX/XX/22 thar this deposit was use for the appraisal of the home. XXXX XXXX never explain it until XX/XX/22 all the information they wanted was submitted in reasonable time. My closing date for XXXX XXXX XXXX was set for XXXX XXXX  days later
Consumer complaint received 2022-10-19
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: SYNCHRONY FINANCIAL (HI)

On XX/XX/XXXX I attempted to pay XXXX XXXX 2x transactions for {$1100.00} and {$1800.00} using PayPal. I applied for, and was accepted for XXXX XXXX PayPal credit offered by Synchrony Bank. 

The FIRST payment, {$1100.00} was put into a pending status but later showed completed. The SECOND payment, {$1800.00}, immediately showed as completed and confirmed but the vendor, XXXX XXXX had received neither payment. 

On XX/XX/XXXX I received notification that the FIRST payment, {$1100.00} had been reversed. I called in and spoke to PayPal and the verified that both payments, {$1100.00} and {$1800.00} had been submitted to the vendor. 

On XX/XX/XXXX I was informed that my account had been restricted and they demanded to know what the transaction was for and demanded undisclosed paperwork. This required me to disclose my XXXX status as I am transporting a service animal. 

I called in and they confirmed that the {$1800.00} payment had gone through, the {$1100.00} payment had been reversed, and kept offering to escalate to the back office. 

I submitted the {$1100.00} payment again on XX/XX/XXXX and the payment immediately was put in a pending status and was flagged for review. Nobody can explain why the FIRST payment was flagged but not the second one, or why one wine through while the other gets consistently flagged. 

I spoke to XXXX XXXX as of XX/XX/XXXX and they have received the {$1100.00} that has been reversed, but they have NOT received the {$1800.00} that I have been charged for.
Consumer complaint received 2022-10-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (NJ)

Since XXXX of XXXX the primary loan holder and the co signer have been getting multiple calls a day from Exeter Finance about the car loan. There have been no late payments on this loan except for XXXX of XXXX, it was XXXX days late. Regardless of paying the loan on time every month. Exeter still calls multiple times a day well before the loan is due for the next month ( if payment is due in XXXX weeks they will call everyday up until the due date ). We have spoke with them numerous times expressing exactly what dates the payments will be made on and they still continue to call even after that. 
From XX/XX/XXXX- XXXX XXXX they have called 3 times a day consistently on the primary holders phone and work number ( they have been asked not to call the work number and they still continue ), while also calling the cosigner the same amount of times everyday. XXXX of XXXX there was a late payment but half the amount was paid ( {$300.00} ) and they were made aware of that and told when a payment would be made. Despite that they continue to call and now the cosigners credit score has dropped significantly due to the XXXX  day late payment. There have been some financial hardships and they have not been lenient even at all even though this account has never had a late payment since XXXX.
Consumer complaint received 2019-08-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

Navient claims that they are " here to help. '' However, with the extensive cost and stress of a XXXX XXXX XXXX daughter battling XXXX, Navient refuses to work with me on making my payments affordable, or temporarily delaying them. 
I want to make good on my debt, but I can not afford the $ XXXXmonth that they are demanding. They only take into account your income, and not your daily living expenses and other bills. I went through Federal Aid to revise my XXXX, and XXXX came up with a payment of $ XXXXmonth, which is manageable! Unfortunately, for some unknown reason, Navient declined the revision and still demand the $ XXXX/month. 
I will gladly begin repayment at $ XXXX/month, and have literally BEGGED Navient to make my payments affordable, but they would rather see me go into default than payback my loans. Instead of considering each individuals ' unique circumstances, Navient simply sends the same standard template responses ( to my DOZENS of emails ) and refuses to work with me.
Consumer complaint received 2022-10-19
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. (IL)

On XX/XX/XXXX I submitted a dispute to XXXX and Equifax because I received a credit alert that my score had dropped over 200 points. In the dispute, I provided corporate documentation to show that they were reporting a XXXX corporate account ending in XXXX, on my personal credit file in which the usage caused me to lose two credit cards which were in good standing a XXXX XXXX  XXXX with a {$15000.00} credit limit, a XXXX XXXX XXXX with a {$12000.00}, denial for a mortgage loan, and the limit on other credit cards to be reduced because of the high usages. I informed them that the business 's high usage was killing my credit score, I went from XXXX to XXXX. 
In my dispute, I provided Corporate Documents ( Articles of Incorporation, an Ein letter, a Credit Card statement showing the Corporation name, and the letter from the creditor showing it was a business account ). I have called several times and they refuse to remove it from my credit file and changed it to an individual credit account which is inaccurate. This has cost my family financial hardship. I went from an excellent credit rating to a fair rating because of the business usage being reported on my personal file. XXXX removed it from my credit profile, but Equifax and XXXX refused to do so. I have submitted 4 disputes and they still refuse.
Consumer complaint received 2022-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I called about my first refund request on XX/XX/XXXX and have seen people who put in get theirs way after me. Reps have told me different things. I was told I was on the old system so the one guy I talked to said they changed it to a new system and would probably better to resubmit. But then told me I'd have to wait maybe another 60 to 75 days. I don't understand why I wasn't informed of that earlier. Either way I want the refund to come before XXXX or next year. I've already been waiting at least 50 days before I had to resubmit my request. I resubmitted the new request on XX/XX/XXXX. They said they recommended I resubmit with the new system. Either way this is ridiculous. I'm with great lakes servicer. My account ID is XXXX. The last payment I made was XX/XX/XXXX for XXXX and the reference number is XXXX. Please help me get this solved. I feel the us department of education should also be contacted about this issue which I've tried and got no response.
Consumer complaint received 2022-10-19
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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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
Consumer complaint received 2022-10-19
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)

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement XXXX days in advance, thus this shouldn't be any late payment on this account. This is unquestionably a billing issue, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. XXXX XXXX XXXXXXXX XXXX XXXX : {$1600.00}
Consumer complaint received 2022-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (FL)

In XXXX Of XXXX I lived at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX I stayed there two extra months month-to-month and paid my landlord cash two years after moving out I get a judgment put on me from up or XXXX XXXXXXXX XXXX XXXX XXXX that I owe over {$3000.00} but the idiots also sent me a copy of the lease that shows that I was not under any contract when this happened and they did not own the property when I confronted them they sent me the lease and all the legal documents Ive been looked up the case number and looked up the so-called attorney and the court records none of them exist the court then said that I had a hearing coming in XXXX so I attended virtually but no one came back on the line to put me on the zoom call so then I got up the entire deck handed to me just because of the fact that I wasnt at a hearing when I actually was the lawyer is an actual lawyer with the Florida bar but its not its a fictitious name and when I looked on their website of open cases my name is not on there. I also had a security breach in my credit in XXXX by XXXX  the alcohol delivery service and they re-Kavic on my credit until just recently I am being denied a place to live because of my credit I am with XXXX XXXX and they are repairing everything they can my student loans shouldve been paid off years ago the IRS has taken {$30000.00} of my tax money and has never given me an explanation of why Im a W-2 employee Ive worked in the XXXX field for 20 years Ive never owe the IRS money but my late husband did owe them money but we were only married for two weeks in XXXX so the taxes that theyre charging me with our XXXX taxes he was married to someone else I need assistance desperately
Consumer complaint received 2022-03-12
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. (TX)

I am a victim of Identity theft, XXXX XXXX XXXX  has a fraudulent credit card on my acct. XXXX XXXX and XXXX has a fraudulent loan on my profile and lastly XXXX XXXX XXXX is reporting a Fraudulent charge for someone unpaid rent. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (DC)

PNCs appraiser used comps not comparable and gave my house three bedrooms, but my house is being taxed by DC as a four bedrooms. PNC referred me to a person who called once at XXXXXXXX XXXX on a Monday morning and has not picked up a single call since and will not return my messages. My concern is that by undervaluing my home, Im paying more PMI, and that might not even be necessary at this point.
Consumer complaint received 2022-10-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

In 2019, I received ( what I now understand to be a predatory ) marketing email from NaviRefi offering to lower my monthly payments. My government student loans at the time were being serviced by Navient. I assumed this was the same company and that I was simply adjusting my payments down during a difficult financial period for my family. 

Two years went by with me making monthly payments. Each tax season I would receive ONE student loan tax form to submit with my taxes from NAVIENT - again reinforcing my belief that these loans were still in the federal program. 

I have been working as a school teacher for 20 years. I remained hopeful that one day I would make enough payments for loan forgiveness ( yet each time I had applied for Teacher loan forgiveness there was yet another hurdle to jump through and the process became exhausting. ) I had no reason to move my loans out of the secure government servicer program. They had remained IN the federal program for 20 years as I made regular monthly payments. 

When Biden announced the Temporary PSLF program, I applied and was told I had to consolidate my eligible loans. I was shocked to learn that my loans had been moved to a private program within the same company that serviced my federally secured student loans. 

I complained immediately and relentlessly. NaviRefi said that I signed a document acknowledging I would lose all federal privileges. Not only do I have no recollection of doing so, according to their own documentation - I spent less than 4 minutes signing their disclosure form. 

Two of my smaller loans have been canceled through the XXXX program- yet I was scammed out of student loan debt relief by the very servicer the government authorised to service my loans. 

When this site requests the name of the company to file the complaint against there is no NaviRefi but several iterations of Navient. How am I supposed to know which one? ( Screen shot attached )
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

Follow up to complaint number XXXX Was not refunded the {$5.00} fee for the card paid to Incomm financial XXXX Full refund amount is {$500.00} not {$500.00}.
Consumer complaint received 2022-10-17
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. (NC)

In accordance with the Fair Credit Reporting Act Installment Account XXXX Partial Account Number XXXX, Credit Account XXXX Partial Account Number XXXX, Collections Account Partial Account Number XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A Section 1 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.