davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MT)

I own and am responsible for a substantial amount of student loan debt. The burden of my debt is held by XXXX XXXX. I am a full-time XXXX XXXX  at a XXXX, XXXX XXXX  in XXXX Montana. I am attempting to participate in the Public Service Loan Forgiveness Program. Although I have been told countless times via phone conversations and through written correspondence that my loans are now consolidated and held by XXXX ( the last of which I know to be true as I make monthly payments to them ), I have been waiting for more than a year to hear back on which of my payments count towards the necessary 120 that need to make in order to receive forgiveness. I have had multiple attempts to contact XXXX and PSLF representatives and have received nothing other than, " what you are doing is right, your paperwork looks good, we do not need further information from you at this time. '' When I query them as to why I have had to wait so long to see how many qualifying payments I have made thus far, I am told, " It just takes time. '' When I state that some of the first paperwork I received from XXXX after they pulled all my loans over and made themselves my servicer was that it would take up to 3 MONTHS to get notice of what payments qualify for PSLF, they sit in silence on the other end of the line and offer no further guidance. Immediately after becoming my servicer, they put my loans into a forbearance state with no explanation. I received correspondence via mail thanking me for MY choice ( which was never mine ), saying that I had authorized this. They do not have my signature on anything stating this was okay. 
I am hindered in my life choices by my student loan debt. I take responsibility for my XXXX,  XXXX XXXX   childhood. I have worked unbelievably hard to pull myself away from all of that. My present and future life choices were meant to be relieved of the burden of this debt for the dedication I have given to raise myself from poverty and for the determination I have to continue to keep away from it. Now, this program has become a punishment and I am made to pay all over again for the mistakes of my family, of myself. I should not have to settle for average, for " barely scraping by '' when, given an opportunity, I could be extraordinary. I want to fly, I want a life unencumbered by the student loans that suffocate me, I want the American dream. This program was supposed to be the springboard to those next steps. Without it, how can I help Make America Great Again?
Consumer complaint received 2022-11-26
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: Experian Information Solutions Inc. (GA)

I'm " XXXX XXXX XXXX, '' and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX  XXXX XXXX Balance : {$2.00}
Consumer complaint received 2018-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

I purchased a home in XXXX, SC with a mortgage from Wells Fargo Home Mortgage on XX/XX/XXXX. I have an escrow account with Wells Fargo where monthly payments include funds for property taxes in XXXX County, SC. Also, an initial escrow payment for property taxes was paid at closing totaling {$2200.00}. According to the 1098 from Wells Fargo in XX/XX/XXXX I paid {$2600.00} into escrow with them for property taxes. The Wells Fargo mortgage statement of XX/XX/XXXX states that they dispersed {$2600.00} to XXXX County for property taxes. I received an Execution Notice dated XX/XX/XXXX from XXXX Countys Office of Delinquent Tax Collector for delinquent taxes, penalties, fees and costs ( {$3000.00} ) threatening tax sale if this amount was not paid, claiming my property tax for XX/XX/XXXX had not been paid. Following multiple attempts to get Wells Fargo to resolve this and explain, on XX/XX/XXXX I went to the XXXX County Treasurers office and they confirmed that my property taxes were never paid. I immediately paid the amount claimed to clear my name. Ive made numerous attempts since that date, including phone calls and online complaints, to get Wells Fargo to reimburse me without success. Initially they told me they would open a case to investigate and resolve the matter by XX/XX/XXXX. After complaining again that Id heard nothing, I was told the case was still open not resolved and needed until XX/XX/XXXX. I again requested an immediate explanation and reimbursement of the amount I had paid. Absent any timely satisfactory response or reimbursement as of this date, I am filing this complaint. requesting reimbursement of the {$3000.00} paid by me out of pocket plus interest.
Consumer complaint received 2018-04-26
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)

I have 4 accounts from appearing on my Equifax Credit Report that are reporting incorrectly. The accounts were deleted from my report initially upon filing a dispute, but the 4 tradelines have been reinserted without proper notice from the creditor or the bureau that is legally required. This is a clear FCRA violation of section 611 ( a ) ( 5 ) ( B ). I have also requested method of verification from the bureau to which no response was received in the legally allotted 15 day timeline. If this is not resolved, I will pursue litigation. I have confirmation of receipt and copies of all original communications with this bureau.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Americas Car-Mart, Inc. (AR)

On XXXX XXXX I received i letter from Car Mart stated I was granted a settlement of {$4200.00} for a vehicle I had repossessed. The agreement was to have that amount paid by XXXX XXXX. I paid it off XX/XX/2022. The company will not updated my information to the credit bureau even after dispute. I have proof of letters and receipts.
Consumer complaint received 2021-05-05
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)

Beginning in XX/XX/2021, XXXX XXXX XXXX, XXXX fraudulently starting reporting repossession on my credit reports with all 3 bureaus. Via thorough documentation, I submitted disputes to have it removed so I may proceed with increasing my score and purchasing a much needed vehicle. Meanwhile, Ive been in civil litigation with XXXX XXXX XXXX and also reported company to Dept of Ag and CFPB who forwarded to FTC. Upon receiving the disputes, XXXX XXXX XXXX removed the repossession as required by law, but out of retaliation replaced my account in paid good standing but closed status with a charge off and marked the XX/XX/2021 history as unpaid, although I was not even in possession of this vehicle in XXXX and this contradicted their earlier claim on my credit. 

I once again disputed this claim, prolonging my ability to purchase a vehicle. Equifax, XXXX  and XXXX have not removed this status and do not seem to have record of the previous claims in which this contradicts, violating consumer rights law. This frivolous and false reporting is being allowed and not monitored thus damaging my credit and ruining my life
Consumer complaint received 2022-07-29
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Reported Account # XXXX, has violated my rights. 

XXXX XXXX Reported Account # XXXX, has violated my rights XXXX XXXXXXXX XXXX Reported Account # XXXX, has violated my rights. 

XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-05
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: SYNCHRONY FINANCIAL (NM)

On XX/XX/2021 /I had gotten a credit inquiry notification. 
On the info listed it had : enhanced inquiry SYNCB/SAM'sXXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX I immediately called the provided number, Just to be met with difficulty. 
Upon my first call I was sent to Fraud dept, where they just hung upon me once I explained my dilemma. 
My second call, A lady answered getting upset with me refusing to assist me in the matter. 
Third attempt, A sir stated there was nothing I could do. 
I advised him that I did have rights that protect me from situations as such, an was why I called to resolve issue of possible fraud. 
I advised I was in XXXX, NM where I reside and have credit monitoring which alerted me of an inquiry. 
He just stated do what you need we can't do anything. 
I have not pulled my credit for Credit cards being that I am trying to purchase a home. And now am dealing with possible fraud with no concern or help from the company that pulled my credit with out my consent or know. 
I understand I may be just another consumer to them, however it is a huge concern to a single mother trying to get a Mortgage to buy a home for my children and I.
Consumer complaint received 2021-05-05
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. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2019-03-23
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (WA)

Negotiated a cash payoff amount for student loan debt. Payment was sent in full for the amount on a billed notce and sent by usps shipped to billing address before due date. The amount cash payment was credited but agency did not honor the pay off negotiated amount. XXXX XXXX stated they changed addresses for payment and the address on the pay stub they sent was not correct, resulting in processing delay. 
XXXX states they are not able to make the change to the account, honoring payoff and continues to tell the consumer they need to contact department of Ed. 
Complaint : False statements and claims from collection agency. The agency payment statement for pay in full amount was not honored. The payment was sent and postmarked prior to due date. The agency stated the delay in payment processing is responsibility of collection agency as they changed billing address with no notification and referee consumer to dept of Ed. 
Collection Agency : XXXX XXXX XXXX , XXXX  . 
XXXX XXXX XXXX XXXX, NY XXXX XXXX
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Request : Please delete the 90 day late payment off Credit report with all three credit breaus Account Name : XXXX XXXX Social Security # XXXX Old property address : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  Account Number : XXXX ( 90 day late payment ) XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a 90 day late payment reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my XXXX XXXX XXXX XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for my property taxes increase to make our equity amount increase, which I was not aware of until I received my invoice with a {$400.00} a month increase. Id have an excellent repayment record. I made a mistake in falling behind, but since then I set up a payment arrangement, paid the payment arrangement off in full before the scheduled payment arrangement time, and also paid my mortgage off in full with a {$0.00} balance. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a new mortgage loan with XXXX XXXX, and its come to my attention that the 90 day missed payment on my record is hurting my ability to qualify. I have tried disputing this information directly wit XXXX XXXX  but was informed they denied my request due to the reporting information reporting was accurate. Well I do understand, but I have never been late on my Mortgage with XXXX XXXX before the Invoice of my {$400.00} monthly increase due to a increase in property taxes that I was never aware of. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 90 day late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
If you could please fix this ASAP, i am trying to re-apply for the new VA loan within the next two weeks, and this is effecting my approval with XXXX XXXX. I am asking you to please, please help me with this situation. 

Thank you for your consideration, and I hope youll approve my request. I can be reached at XXXX. 

Best, XXXX XXXX
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PA)

XX/XX/XXXX I ordered a mattress from XXXX. Upon delivery, I stated it was the wrong mattress size. Delivery men stated I needed to call XXXX and they left. Months I argued with XXXX. FINALLY, I called and was told I had a XXXX balance ( XX/XX/XXXX ). I checked my credit report and it stated written off as bad debt - XXXX   balance. Then, I get a hearing notice for the magistrate. Then, I look and XXXX   has {$1400.00} balance owed and XXXX shows {$1100.00}. Now. XXXX  # 1 should not be able to continually change peoples balances at their will. # 2 they cant write off and XXXX it out then all of a sudden make the balance reappear yet different on each report. 3. XXXX  They still have not corrected my order
Consumer complaint received 2022-07-29
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. (LA)

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX  XXXX Balance : {$5800.00} ; XXXX XXXX  XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$530.00}
Consumer complaint received 2022-03-23
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hollis Cobb Associates (GA)

I received a several calls from heavy accent foreigners today XX/XX/2022 stating I had an bill with XXXX XXXX, They even provided me with the last four of my ssn. As I informed them I've never been to XXXX XXXX in my life. They argued me up and down that I've been to be XXXX. I wish someone would audit this company, I shouldn't be harassed at all about an account or bill I don't owe. I would like to know how this company received my information. This company is using my person information and I don't appreciate it,
Consumer complaint received 2019-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

My debit card was lost/stolen. I have been waiting on my replacement since Monday. One rep told me 3 to 5 business days. I should mention that I take the bus and my work schedule combined with the general slowness/inefficiency of the bus makes it all but impossible for me to make it to a branch on time. I'm a temp so if I try to leave early, I'll be fired and replaced before I could make it to the bus stop. So I'm going days without access to my money, services and subscriptions linked to my card are going to stop once payments start getting rejected. Plenty of banks and credit unions can print a card same day or send replacement cards through higher priority mail. On my most recent trip to a branch, the bank employee wouldn't even look up the status of my card in the mail and just said to wait longer.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00}
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NV)

I purchased a mattress from Macy 's in XXXX, XXXX. The mattress came with a 10 year warranty. The mattress began to fail within 6 months and by late XXXX I was no longer able to sleep on it. Macy 's sent their technician to inspect the mattress and confirmed that the mattress should be replaced. 
I confirmed with their customer service department that I was eligible for a full refund of the {$2000.00} price of the mattress. 
I went back to Macy 's and picked another mattress and confirmed again with the sales person that I could apply the {$2000.00} credit to the mattress and that the credit would be applied when the mattress was returned. The new mattress was delivered in XXXX, XXXX and the old mattress taken back to Macy 's warehouse. 

Macy 's has never applied the credit and are billing me for the balance, charging penalties and reporting my account to the credit rating companies, dropping my XXXX score. 
I have called countless times, written multiple letters and have received no response. They have acknowledged the credit is due to me but have not/will not apply it
Consumer complaint received 2022-07-29
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. (AE)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove the inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the unveified and erroneous inquiries which are being posted to my report. 

Here is the list of the inquiries which do not belong to me or were opened without my permission. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX