davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

My student loans were handled by XXXX XXXX and Fedloan since before XXXX, I was notified by XXXX XXXX and Fedloan about PSLF and XXXX  loan forgiveness. As long as I XXXX  for 10 years and my loans would be fully forgiven. I was asked to consolidate my loans into 1 which would help the forgiveness process. I have been XXXX  since XXXX, and I kept track with both XXXX XXXX and Fedloan to make sure my services were counted toward Public Service Loan Forgiveness ( PSLF ) Payment Tracking. I went back to school to earn my XXXX XXXX XXXX and I did not want to stop payment on the loan or as we call it pause the payment until I finish with my XXXX XXXX XXXX but I felt forced into it and no one told me that the payment tracking would be paused until I earn my degree. Then COVID 19 happened ... ..no interest rate, or payment was collected BUT no one told me that by doing this, it would cause more delays on my service counts. I filled out the PSLF and submitted it in XX/XX/XXXX but nothing was done on my account for well over 7 months. I contacted Fedloan over and over but got no response. I finally contact Fedloan through XXXX and they finally responded and would work with me ... .HOWEVER, I only got 7 months of PSLF instead of 8 years worth of PSLF. Their explanation is I received a XXXX  loan forgiveness for 5 years of XXXX. I told Fedloan that no one told me I would have to start all over again, and all I got was excuses after excuses but I have worked hard as a XXXX XXXX XXXX for years and I can not afford to start all over again with the XXXX  loan forgiveness or PSLF or whatever the other terminology they use nowadays. This is VERY UNFAIR and I can not start all over again!
Consumer complaint received 2022-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION (CA)

We refinanced and paid off a mortgage with Alliant Credit Union in XX/XX/2021. However, they have still not reported the mortgage paid off on our credit reports. The loan is still reported as open. We have reached out multiple times, via phone and email but no one on their end helps with correctly reporting the loan as closed.
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma (AZ)

On XX/XX/2017 I paid off my debt with XXXX XXXX XXXX XXXX/XXXX over phone. The amount settled on totaled at {$1100.00}. It has been almost a year and the debt has still not dropped off of my credit report. The only information I have is the email receipt I got, with no contact information for XXXX  on it. It states it was processed through a company called XXXX XXXX. Due to this issue I was unable to be involved with the purchase of me and my fiancees new home.
Consumer complaint received 2022-10-14
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: ProCollect, Inc. (NV)

I been having problems with this company for awhile now back in XXXX while already paying money to this XXXX XXXX sent them a notice about moving to XXXX XXXX to take care of my family that was going through alot at the time I gave them the letter they said ok we will process it a year later in XXXX I get an eviction on my credit which baffled me from this same apartment mind you I informed them already of my intentions to move to XXXX to take care of my family then I went to the XXXX  and in XXXX of XXXX it was off my credit report due to them getting my information illegally I also included the lawyer I was talking to at the time that represented them that it wasn't suppose to be an eviction on my credit but then try to say they couldn't do anything about it even though I have been paying on time to these apts. I also attached the supporting documentation that show at XXXX of XXXX it was deleted off my credit report
Consumer complaint received 2021-09-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I would like to file two FCRA violations against Equifax. On XX/XX/XXXX, Equifax got from me a ''Request For There Method Of Verification '' as pertains to an account that I allegedly had with XXXX  XXXX XXXX account number XXXX. I requested there method of verification as this account was not been reported accurately on my credit report and I asked them to delete it from my credit report but they refused and so I asked them for ''There Method Of Verification '' and once again they refuse to provide me with that information. With this complaint I am submitting proof that Equifax got my request for the method of verification on XX/XX/XXXX. XXXX. On XX/XX/XXXX I got a letter from Equifax stating that they will not investigate the matter further and that the matter is been reported accurately on my credit report AND THEY DID NOT INCLUDE THERE METHOD OF VERIFICATION AS REQUESTED OF THEM ON XX/XX/XXXX. 
This is a clear FCRA violation as the Fair Credit Reporting Act states that the credit bureau should provide me with there method of verification within 15 days of the request. 
I have uploaded a copy of the Fair Credit Reporting Act and highlighted the areas in which Equifax has committed a violation of the Fair Credit Reporting Act. 
The Fair Credit Reporting Act also states that if the account information is incomplete or inaccurate then the credit Bureau should delete the account from the person 's credit report. This account is incomplete as there is no payment/account information between the periods of XX/XX/XXXX and XX/XX/XXXX. The current status of the account is that the account has been paid off but this information is not reflected in the payment and account section. Equifax is unable to provide me with there method of verification and the Fair Credit Reporting Act states that if the item is unverifiable then it should be deleted. It seems as if they are unable to verify the matter as they are unable to provide me with there method of verification but refuse to delete the item from my credit report and that is illegal. I have highlighted the areas in which there is a FCRA violation. 
This is the final time that I will file a complaint against Equifax as it relates to this matter. This complaint will serve as evidence in a court of law that I brought the matter to Equifax and they did nothing about it. If Equifax fails to delete this item from my credit report then I will be forced to take legal action against them so as to recover damages
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2021, I sent a letters to the 3 beaurs and I have yet to receive any information on the investigation. To my understanding it takes about 30 to 45 days. I am very upset this has cause a hardship. I really need help with get this resolved.
Consumer complaint received 2021-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TN)

I am being harassed, abused and mistreated by IC Systems Call Center Representatives who is constantly and repeatedly calling my phone number, harassing me and using profane language against me for a medical debt from XXXX XXXX XXXX, thats not my debt or account, and is the result of identity theft. The medical debt or account is not my account or debt. IC Systems is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law.
Consumer complaint received 2019-04-23
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. (CA)

To XXXX Consumer Relations According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 
15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] (  a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXXXXXX XXXX  XXXX This creditor states I was Late on Dates : XXXX, XXXX, XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT MP3 CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX XXXX XXXX******XXXX This creditor states I was Late on Dates : Late Dates : XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT MP3 CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX** XXXX IXXXX XXXX XXXX XXXX XXXX XXXX XXXX******XXXX XXXX XXXX******XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/22 i sent a letter to equifax for -15 U.S.C 1681 ( a ) ( 4 ) - " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''.

-15 U.S.C 1681 ( a ) ( 2 ) - " In accordance with the written instructions of the consumer to whom it relates.

I ever gave written instructions to put this on my consumer report. They sent me back a research request form. I did not ask for this. 

ON XX/XX/22 i sent a letter to XXXX XXXX for -15 U.S.C 1681 ( a ) ( 4 ) - " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''.

-15 U.S.C 1681 ( a ) ( 2 ) - " In accordance with the written instructions of the consumer to whom it relates. 
I ever gave written instructions to put this on my consumer report. They are violating my rights. They said they VERIFIED this account. i would like to know how was this account VERIFIED if the court house said they don't share information. XXXX violated my privacy.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (AK)

Attached is my Loan details from XXXX showing my student loans are PAID IN FULL. 

Why is Navient being allowed to report to my ALL credit reporting agencies that I OWE them and have LATE PAYMENTS. 

If the account is PAID IN FULL, then why is PHEAA reporting LATE PAYMENTS/COLLECTIONS? 

These are records from XXXX themselves. 

See attached.
Consumer complaint received 2021-11-05
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: EQUIFAX, INC. (CA)

I received a copy of my credit report. I noticed unauthorized inquires on my report from several creditors. I contacted the creditors and was told to contact the credit bureaus to dispute and remove inquiries. The credit bureaus then told me the creditor can only remove it with a written statement. I then contacted the creditors and was told they do not send written statements to the credit bureaus to remove the inquiries
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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.
Consumer complaint received 2019-04-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (SD)

My student loans began at just under XXXX. That was the last I attended in XXXX. They jumped to XXXX in XXXX with a consolidation that I did not ever apply for ... the consolidation amount {$65000.00} to {$140000.00} with AES/XXXX, They also left out a loan I have been paying on for years through XXXX ... They are in the last name which is not my name. I do not have an ID or any way to prove that it is not me. I have sent my soc cars as well as my South Dakota drivers license to them. They will not speak to me about this debt and they provided me a fraud packet via mail. I have not had a response back and I can not speak with anyone regarding this issue due to my name vs, name on the account. So it is bounced back and forth between PHEAA and AES/XXXX. My credit is greatly affected. the most recent letter I received is from PHEAA and the amount is now at {$190000.00}!!! I am paying on an unsubsidized and have been for years that began at XXXX. The other, currently with PHEAA began at around subsidized was originally XXXX. They send mail to me in my name and when I call them or try to make payments they refuse to talk to me unless I can produce the name my account number, social security number and birthday are associated with.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

My Citi Bank account was closed on XX/XX/22. 
It is XX/XX/22 and I still have not received a check with my closing balance. I am told by Citi Bank that they have to decide whether or not they are going to send two of my payroll check amounts deposited shortly before the account was closed, back to my employer or include it with my closing balance. 

I have a family that is desperately in need of these funds that are mine. Its not right to put my families well being in jeopardy and hold onto to funds that are rightfully mine for this long. 

Send the funds back to my employer if thats the issue. I can get them to issue me new ones. But, just make a decision. It has been a month and half now and I have called twice a week since XX/XX/XXXX and get nowhere. I am told I should get notice in 48 hours every time. 

Please help! 

Thank you
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (TN)

I appropriately notified the company prior to losing employment on XX/XX/XXXX of this year financial hardship and then afterwards when I requested to use the unemployment insurance that I paid for when I set up the loan with them and I sent all the appropriate paperwork as well. They continue to reach out to me and my family members and friends regarding payment on this account however the unemployment insurance was properly applied for and all of the appropriate paperwork was faxed to them for that to be put through and I had just recently notified your office of the same problem on a separate ticket and they had reached out and it seemed as if they were going to correct the situation on my credit report and did somewhat but when I checked again they have again reported this as a delinquent accounts it is showing up and ran and is showing as past due which it should not be as it shouldve been covered by the unemployment insurance I paid for from XXXX through now as Im still unemployed and I am also working with the governors office they have filed a XXXX claim for me as well
Consumer complaint received 2021-07-26
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. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I was in process of initiating two payments to XXXX XXXX. When I started typing XXXX 's name the Venmo app algorithm automatically suggested a wrong recipient : XXXX XXXX. Not paying attention, I clicked on the name that the Venmo App was recommending. I would not have clicked on the wrong name if the Venmo App had not recommended that I click on the wrong name : XXXX XXXX instead of the person I intended to send the payment to XXXX XXXX. 

XXXX XXXX is a former XXXX  I had exchanged XXXX-related emails with 5 years ago when I was attending the XXXX XXXX XXXXXXXX XXXX I never had any financial transactions with XXXX XXXX. I barely know him. I never had any transaction with XXXX XXXX using Venmo. There was no reason for Venmo to auto-populate his name in the recipient field. I think that doing so was deceptive and took unfair advantage of the fact that was not paying attention and assume that the Venmo XXXX would not mislead me. 

After realizing and immediately notifying Venmo of the error, I asked Venmo to reverse the transactions. Venmo first made me believe that they will reverse the transactions. Two days later, Venmo claimed that after mining some data about me, without my consent and without even telling me which data they mined, they noted that I have exchanged some emails with this former classmate 5 years ago and that was ground for them to deny the reversal of the erroneous transactions. 

This decision from Venmo is unfair, deceptive, and abusive. It was unfair and deceptive to use their algorithm to prepopulate the recipient name field with the wrong individual using stale 5-year-old data mined without my permission. It is abusive to harm me by refusing to reverse two transactions due to an error that Venmo Algorithm initiated by auto-populating the recipient filed with the wrong name.
Consumer complaint received 2021-11-05
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)

I am a victim of identity theft, The following information is reporting to my credit report is information that i have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit. The following information is fraudulent XXXX XXXX XXXX # XXXX {$3100.00}, XXXX XXXX # XXXX {$1500.00}, XXXX XXXX # XXXX {$66.00}, XXXX XXXX XXXX # XXXX {$2500.00}, XXXX XXXX XXXX # XXXX {$630.00}, XXXX XXXX XXXX # XXXX {$210.00}, XXXX XXXX XXXX # XXXX {$3300.00}
Consumer complaint received 2021-03-15
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. (TX)

went to buy a new car and the dealer sent to different banks for loans we didnt know about and affected our credit report didnt give them permission or they never told us going to do this