davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

On XX/XX/2022 before my loan was taken over by XXXX, I made a payment of {$24000.00} to Fedloan Servicing. This payment cleared my XXXX checking account on XX/XX/2022 and was not applied to my loan prior to my account being sent to XXXX. I have spoken to Fedloan Servicing on numerous occasions, including their service recovery team ( XXXX ID # XXXX and XXXX ID # XXXX ) and was told numerous times it would take 30 days from XX/XX/XXXX for the payment to clear and be sent to XXXX. My last conversation with XXXX on XX/XX/2022, 60 days since my payment, I was told the payment had cleared already and XXXX should have applied it. XXXX has not received this payment and Fedloan is going out of business come XX/XX/2022 with my nearly $ XXXX magically still missing. This is a lot of money to be in limbo/missing, especially for an XXXX XXXX Military Family and I request you immediately contact Fedloan and XXXX to have my $ XXXX payment refunded to me or added to my XXXX account. I have proof of payment from my checking account ( see XX/XX/XXXX ), the final billing statement from Fedloan on XX/XX/2022, and the most current billing statement from XXXX for XXXX. These documents show what the balance was prior to my payment on XX/XX/XXXX, when my payment was posted on XX/XX/XXXX and the current balance is with XXXX. Please reach out to me via email or phone below to send you any documentation or for additional information. Your help in this matter is greatly appreciated as Fedloan has been very shady during this entire time, XXXX is absolutely no help and doesn't return my calls or messages, and the last thing I want to do is involve a lawyer and my congressional members. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

JP Morgan Chase Authorized a payment to a Hotel in XXXX saying that they had approved me the credit to rent a room when they won't even cover me if I don't have the money in the account. So now in XXXX they want to charge me {$460.00} Dollars I never ask for and because they couldn't get in contact with me they charged me didn't even send me a message on my app that's really trying.
Consumer complaint received 2022-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

I NOTIFIED XXXX XXXX  ABOUT A FRAUDULENT ACCOUNT OPENED DUE TO IDENTITY THEFT BY EMAIL ON XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22. 
BY FAX XX/XX/22, XX/XX/22. 
BY PHONE CALL XX/XX/22 XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22. 
AND BY MAIL XX/XX/22, XX/XX/22, XX/XX/22 THE FRAUDULENT ACCOUNT IS STILL OPEN, AND BEING REPORTED TO ALL 3 CREDIT BUREAU 'S, AND WAS RECENTLY CHARGED OFF AND SOLD TO A COLLECTION AGENCY. 

I SENT AN FTC REPORT, A POLICE REPORT, AND ALL INFORMATION ASKED OF ME AND THE PROBLEM IS NOT BEING RESOLVED
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I received a letter in the mail stating that my PayPal account was overdue. On XX/XX/2022 I called the phone number provided in the mail. I was told to purchase gift cards in the total amount of XXXX. Part of it was in XXXX grocery store and part of it was in XXXX quick store. I did as instructed and read all the numbers off the gift card to the man on the phone. As a result the total amount was charged to my credit card.
Consumer complaint received 2022-07-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Possible Financial Inc (OH)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. POSSIBLE FINANCIAL Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 


Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 


PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-07-12
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXhis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (OH)

I have attempted multiple time to get my consumer reports from Lexis Nexus, XXXX, and XXXX XXXX. I can not get them to provide me copies of my consumer reports.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Its clear my consumer rights have been violated after analyzing my consumer report. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. To the best of my knowledge, all of my late payments are considered transactions whereas utilization is an experience created by credit usage. The reporting of late payments and/or utilization on the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX - XXXX XXXX  XXXX by XXXX XXXX XXXX, and Equifax are an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never instructed to any of the credit bureaus mentioned earlier to report any activity to my consumer report including late payments/utilization claims. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 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 method undermined the public confidence with is essential to the continues function of the banking system. By XXXX, XXXX, and Equifax reporting these unfair late payment and utilization claims to my consumer report there has been a direct violation to my privacy. This is is unacceptable.
Consumer complaint received 2022-07-12
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. (FL)

In accordance with the Fair Credit Reporting Act these accounts have violated my rights. 

Account numbers as listed on my report. 

XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX 15 USC 1681 Section 602 ( a ) States I have a right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) States a consumer reporting agency can not furnish a account without the written instruction of the consumer.

You have violated my rights as a federally protected consumer.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank XXXX is in violation of 12 C.F.R. 226.5 ( b ) ( 2 ) ( i ) beginning in XX/XX/2022. 

For 20 years, we have had a Chase Freedom Rewards XXXX card that has been used every month. For the last 10+ years we have successfully been receiving e-statements ( online statements ) and monthly email notification of statement available. 

Without warning or reason beginning with the XX/XX/2022 statement, we stopped receiving notification of our e-billing statement being available -- our email address has not changed. 

Actions taken thus far : 1 ) We have resubmitted our email address on line at the Chase.com website. 
2 ) We have contacted Chase online via Chase 's Secured Messaging system on XX/XX/2022 when our XX/XX/2022 statement was not provided. " XXXX '' from Chase responded with a pre-written " canned '' response instructing us to setup online e-billing statements ( which we already did ). " XXXX '' at Chase Customer Service did not bother to read our email and view the attachments providing evidence of that action already taken. 
3 ) We have contacted Chase online a SECOND time via Chase 's Secured Messaging system on XX/XX/2022 when our XX/XX/2022 statement was not provided. " XXXX '' from Chase responded with AGAIN a pre-written " canned '' response instructing us to setup online e-billing statements ( which we already did ). AGAIN " XXXX '' at Chase Customer Service did not bother to read our email and view the attachments providing evidence of that action already taken. 
4 ) We contacted the JPMorgan-Chase XXXXXXXX XXXX at XXXX on XX/XX/2022 to complain about its violation of 12 C.F.R. 226.5 ( b ) ( 2 ) ( i ). This compliant is in-process with no resolution yet.
Consumer complaint received 2022-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (PA)

On XX/XX/2022, I was scammed out of {$4400.00} through a forged certified check scam. The bank that received the money electronically, Citibank, immediately froze the receiving checking account due to suspicious activity. The account remains permanently frozen. I know the Citibank checking account number and routing number where my money was sent and have been communicating with the account holder via telephone and text messages to get my money back. The account holder said her bank ( Citibank ) told her the money was returned to the sender ( me ) but my bank account does not show a refund. I tried to contact Citibank for assistance, they kept transferring me to different departments, and the last person told me I am not a Citibank account holder and they can not help me. When I asked who I can speak with about this, she said " Have a good day sir '' and hung up on me. The account holder said she spent hours on the phone attempting to resolve this matter with her bank and getting my money refunded to me but Citibank was uncooperative with her as well. She described the bank 's behavior as a " runaround ''. She is blocked from accessing the account to verify whether money remains in it. 

I opened investigations through my own bank, XXXX XXXX. They notified Citibank that the money was received by Citibank as a result of a scam. XXXX XXXX said there are no pending transactions from Citibank to indicate a refund has was sent to me. XXXX XXXX said they did all they could at this point. 

Additionally, I filed a complaint with the FBI soon after the date of the scam and have not received any follow-up communications regarding the progress of the investigation. 

Can someone assist me?
Consumer complaint received 2022-07-12
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX Mortgage Companies XX/XX/XXXX -XXXX XX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXXXX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-07-12
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: ALLY FINANCIAL INC. (MD)

I have reached out to each merchant to have and account deletion letter to each reporting agency, I have done this over the phone and I writing and I have gotten no help and the run around after following all steps given by each credit bureau. 

Auto sales pre-qualification became hard inquiries
Consumer complaint received 2019-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

Hello, I have spoken to Numerous personal from my fedloans about 24 missing qualifying loan forgiveness payments. Instead of my payments being manually calculated as promised on XX/XX/XXXX I received a letter stating that my account was 30 days past due with a balance of {$650.00}. My student loans have been on an automatic debit since XXXX. I am unsure how it is possible to have a bill in this amount with automatic debit which is taken out monthly on the XXXX of every month. 
I have been informed by the following personal that this matter would be resolved shortly. I was informed by XXXX # XXXX and name unknown person # XXXX on XXXX that there was an error made on fedloans end. I was informed this error occurred because I changed my payment plan from IBR to a revised payment plan XX/XX/XXXX. Instead of the female worker name and number is unknown suspending my interest payment she never did.She did put in place the minimum payment of {$5.00} which I paid {$5.00} on 2 occasions. The first time being when my payment plan was changed XX/XX/XXXX. The second time being XX/XX/XXXX. 
I spoke with XXXX # XXXX at XXXX on XX/XX/XXXX and requested that my 24 payments towards loan forgiveness be properly calculated. There were 24 payments that were missing. I was informed Fedloans had to manually fix the error. XXXX # XXXX at the time confirmed the error I called back on XX/XX/XXXX and spoke with XXXX # XXXX and was informed that the matter was still pending. 
I was not informed of the current bill until XXXX. Up until this point my bill has been current. I was told this happened because Fedloans was working on rectifying my qualifying low forgiveness payments that were not counted.I continue to not have my qualifying payments counted but now I am getting a bill with a threat of this being on my credit report. 
I spoke to XXXX  # XXXX on XX/XX/XXXX who stated that she could see a review on my account for qualifying payments. XXXX  # XXXX stated on XX/XX/XXXX that XXXX # XXXX made a request to have the interest on my account capped. This review also continues to be pending. This same review was requested on XX/XX/XXXX which the system shows has been completed but not resolved. 
I then requested to speak to a supervisor XXXX # XXXX who stated that the problem appeared to occur after I was transferred from a IBR to a revised payment plan. XXXX # XXXX stated that in order to qualify for a payment of {$5.00} I will need to qualify for a forbearance. Ms. XXXX # XXXX continued to acknowledge the error was not on my end and she apologized. The issue still is not resolved. I was informed that the issue would be reviewed in detail, taken care of and myfedloans would get back to me. 
It appears that after trying for months to resolve the matter, I have no choice but to seek your support in resolving this matter. 
Thanks,
Consumer complaint received 2022-07-12
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. (OR)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, on my credit report is a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction.