davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I have submitted my recertification for the XXXX XXXX XXXX plan. This was accomplished by submitting the application as well as my tax return. 

Yesterday, I received the following e-mail : " We received your request for an Income-Driven Repayment ( IDR ) plan. Unfortunately, we are unable to process your form at this time because your request was not complete. You still need to provide complete income documentation. 

Please follow up on this request to take advantage of this repayment option. IDR plans are a great way to reduce your monthly payment amount because they take your income and family size into consideration! 

The easiest way for us to continue processing your request is if you upload your income documentation to us directly at XXXX. If you prefer to mail or fax your documentation, it is helpful if you also include the enclosed form. This will allow us to direct your request to the correct department for processing. 

You must supply alternative documentation of income if you did n't file a federal income tax return within the last XXXX years or if the XXXX XXXX XXXX ( XXXX ) on your tax return does not reasonably reflect your current financial situation, for example, if you had a decrease in income or you are no longer employed. Any of the below are acceptable proof of income as long as they are less than XXXX days old. 

Pay stubs : Make sure you write the frequency of pay ( weekly, every other week, etc. ) if it is n't clearly stated. 
Certified letter or statement from your employer Proof of self-employment Please do not send in your year-end IRS Form XXXX. These typically are not less than XXXX days old. Therefore, they usually ca n't be used to calculate your income. '' This is a totally outrageous failure to comprehend the basic nature of the documents submitted. The federal income tax form is MORE THAN ENOUGH to show what my household income is. There has been no change in my status. 

This is now the fifth time this year that FedLoan Servicing has botched a simple request. I 'm perplexed as to how they are allowed to continue.
Consumer complaint received 2017-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Brock & Scott, PLLC (GA)

Please be advised, Brock & Scott , PLLC has violated the Fair Debt Collection Practice Act, and as a result I have suffered tremendously. In the process of refinancing my home, an account from Brock & Scott , PLLC was presented to me as the reason for my refinancing loan being denied. Prior to XXXX 2017 I have never received correspondence from Brock & Scott , PLLC. Brock & Scott , PLLC claims that I owe {$11000.00}, in addition Brock & Scot, PLLC claims that there was a lien placed on my home due to a financial relationship I held with their client XXXX Bank. 
The first violation Brock & Scott , PLLC committed was failing to contact me providing initial correspondence of this debt. Brock & Scott , PLLC failed to notify me of this debt. Brock & Scott , PLLC did not offer me an opportunity to dispute, validate, or litigate in this matter. 

In addition this debt and account violated the statue of limitation, and all records associated with this debt which can impact financial matters should be dissolved. 

In addition Brock & Scott , PLLC is attempting to collect on a debt and fluctuating the amount of the debt by adding interest to the amount they claim I owe. 

Furthermore, any financial relationship I held with XXXX Bank, was discharged in bankruptcy prior to Brock & Scott , PLLC litigation in this matter. Brock & Scott , PLLC has caused me to suffer deeply for their negligence. I am currently in the process of trying to improve my home and other aspect of my life, yet Brock & Scott , PLLC has not only violated federal law, but they have cause pain, suffering, and financial difficulty due to their egregious actions.
Consumer complaint received 2022-08-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX
Consumer complaint received 2022-08-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$100000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

I had been laid off from my job back in XXXX of 2015. 
I always paid my credit cards on time. However due to the lack of income I would wait until the last possible day I could before " being late '' to make each payment. None of my cards were ever paid 30 days or later. The creditors have refused to have this information removed. 
Here is the creditor info along with the months showing late -Justice ( 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 -Mid XXXX ( XXXX, XXXX, XXXX, XXXX XXXX XXXX ) -XXXX ( XXXX, XXXX, XXXX ) You should not be marked with a 30 day late by paying after the due date. You are ONLY 30 days late WHEN you are paying after 30 days.
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (LA)

I applied for unemployment around XXXX and I finally got approved unemployment sent out my info to usbankreliacard and my payments are on the card but I never recieved a card its been a month or so I should have received card before I got the payments now I been cut from work due to the virus and I need this help when you call ReliaCard they keep you on hold for hours and never answer Ive tried for 2 weeks everyday all day and unemployment say they cant help me its on relia card how will I ever get my money
Consumer complaint received 2017-10-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (NY)

i already submit a complaint description, the complain ID are XXXX in this second complaint description, i try attached more image evidence to helping your investigations easier. 

" on XXXX 2017, I have received a check and a statement that was I been hired, and they want me to deposit the check. and the next morning, the check has been successfully deposited on my account, then my employer wants me withdrawn the money from the chase to purchase the equipment stuff when I spent about XXXX $ through the XXXX. I immediately check my bank account, then the bank said the check ca n't be verified. I ca n't believe the XXXX XXXX chase bank made this kind of mistakes. 

First, the bank shows my check has been deposited successfully, no any warning messages have been sent to my email or message. 

Second, after i sending out the money by XXXX, then the Chase deny the check that was successfully deposited. 

third. if Chase can carefully verified the fake check in the first place, then I wo n't believed them and sending the money 2 times first time : XXXX $ second time : XXXX $
Consumer complaint received 2017-10-28
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: CITIBANK, N.A. (MI)

XXXX XXXX, 2017 I went into Best Buy and asked an employee about financing a product. He told me that he would need my ID to see if I would qualify and explicitly stated that this would not cause any sort of hard inquiry on my credit report. Now I 've checked my report recently and I see an inquiry from CBNA/BBY - " Citibank North America/Best Buy ''. I would like to have the inquiry removed as I only consented to seeing if I would be approved under the conditions that the employee told me - that I would not see a hard credit inquiry.
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (NC)

Trying to set up my children with a XXXX XXXX card and unable to do so. 

Also, I have an issue with online payments. I pay my mortgage online every month before the XXXX, yet it does not transfer the payment until over a week later. I will be canceling my account with PNC tomorrow because of this practice. You are incurring interest on my loan by your negligence in transferring my funds in a timely manner.
Consumer complaint received 2020-04-25
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. (OH)

This is my 3rd time disputing these address on my credit file. I have never lived in NEW YORK  in my life and I and a victim of fraud and I want these fraudulent addresses removed from my credit reports. My name should appear as XXXX XXXX XXXX XXXX XXXX SS XXXX my only address should be XXXX XXXX  CIRCLE XXXX OH XXXX. Please delete the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2017-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

I have a Direct Loan consolidation loan and Navient has been my loan servicer for 5 years. I 've repeatedly told Navient that I 'm planning to get the Public Service Loan Forgiveness Program after 120 qualifying payments and Navient has never once told me that I need to have my student loans serviced by XXXX if I want to be eligible for loan forgiveness. 

I will make the change this week. But it is a huge problem that this company has not informed me that they are not eligible for the PSLF program. 

Is there any way that I can get credit for the otherwise qualifying payments that I 've made to Navient?
Consumer complaint received 2017-10-27
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (MA)

I am a victim of negative inquiries. I have six negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following six to be removed from my credit report please : XXXX XXXX, 2017 Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (TX)

I recieved an pre-approval offer for Discover It in the mail. I called to see what I was really approved and the agent told me yes! I applied and was declined. I called in to several different people for help and they told me they apologized but they cant help me get the negative credit reporting removed from my credit for Discover.
Consumer complaint received 2020-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (PA)

Pnc has terminated connection with XXXX XXXX to try and force me to use XXXX a different virtual bank. 

I have been using XXXX XXXX for over a year and this discriminatory practice by my bank is unacceptable and came without any notice. 

I contacted my bank and they informed me there was no issues and to take it up with XXXX XXXX.
Consumer complaint received 2017-10-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

Ive requested a deed in lieu, many times now, however I have only received the run around from Ditech Financial. As a consumer that has tried to keep open communication with the mortgage company, only to get denied responses from Ditech and never a phone call is bad enough, they instead filed a foreclosure on me instead of granting me a deed in lieu. Ditech decided to show me just how much they cared about their customers. Ditech sent a third party vendor to my home, to survey the house, who decided to trespass into my property, steel some of my belongings, vandalize the house, ripped down curtains from the window, winterized my appliances and changed my lock and left a paper. When I called Ditech and asked them what was going on, they told me I was # of days pass due and they needed to see if the home was in broom swept ready condition in order to approve me for a deed in lieu. They also told me I had water damage. Then said they were told by the vendor that the home was vacant. I told them the vendor knew the home was not vacant prior to trespassing and they ripped down my curtains to make the appearance the property was vacant. I told Ditech they knew my place was not vacant because every time I call them they ask me if the home was vacant and I gave them the same answer each time, which is no and that someone is staying there until my deed in lieu is approved. I asked them what reputable company sends a vendor out to their customers home to rip down curtains and destroy property to make thier customers home appear as if it is vacant and steel their belongings? Of course Ditech could not answer that instead they said Im sending an email to XXXX XXXX so they can take the lock lock off of your home so you can get back into your property I asked for the number to call them and was told I could not have thier number they had to call me and they will. Well my conversation with Ditech took place this morning and now it is XXXX and still no call from thier vendor XXXX XXXX. I also asked Ditech for the CEOs email and was told the relationship managers manager would call me back, also no call. Ive never experienced such defamation, fraud and deceitful business practices from any company. Please help this concerned consumer. Im sure Im not the first customer they have done this to.
Consumer complaint received 2022-08-05
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. (LA)

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where they received such information, so I may take appropriate legal action. Under the FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. Below is the list of the fraudulent items I found on my XXXX report ad must reoved from my Credit report : XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

While XXXX late XXXX, I received an alert from XXXX saying that was a debt collection owed for an apartment. I instantly disputed the claim because I was XXXX and I have never applied to live in an apartment. I first contacted the apartment complex to get any information I could as directed from the XXXX Police department website for fraud claims. The manager informed me that they had no records for that due to the complex being bought out by another company. I asked if there was anyone they could reach out to from the previous company and I was told no. 
After that call, I proceeded to call Procollect and was told that they could not give me that information. That I would have to go through the police department or the apartment complex. 
After disputing this incident now three times online I then called the management again hoping for another answer. Still the same answer of no records. 
After returning home in XXXX of XXXX, I XXXX  the address from XXXX XXXX. After speaking with the manager and a rep, she informed me that they were bought out a second time and they do not have any records to give me. She said I should XXXX the name of the company before they were bought out and a number should be listed. 
I called as soon as I got in my car and it was then we discovered that the previous company had already merged their online websites and phone number with the new company. So basically I called the same two ladies that I had just spoken with in person.
Consumer complaint received 2020-04-25
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 DISPUTED ITEMS WITH EQUIFAX ON XX/XX/XXXX AND XX/XX/XXXX EQUIFAX REFUSE TO INVESTIGATE THESE ITEMS.
Consumer complaint received 2022-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Students Come First (FL)

I received a call from an agent with Students Come First stating that if I made 6 payments of {$180.00}, then another year of {$64.00} payments that {$14000.00} of my loan would be forgiven. I looked up the information and the company seemed legitimate had a website as well as reviews. I noticed that my loans have not gone down with each payment I was making and I reached out to the company with no response. i called and there is no answer. I get sent to a voicemail for XXXX and no response. Until I received an email in XXXX that was titled to Client ID- XXXX, advising me that they are changing the company they use to process my payments to XXXX  XXXX XXXX XXXX I have noticed that sometimes the payment would come out as an XXXX  withdrawal to Students CF, and others as a check made out to XXXX XXXX XXXX. 
I received a letter in the mail from the Department of Education letting me know that my loan service provider has changed to XXXX. I contacted them today and they advised that there is no loan forgiveness on my account and that the Dept. of ED could only offer student loan forgiveness which is usually after 10 years of payments or if I was 100 % from XXXX, I am only 10 %. I realized that I was a victim to a scam. I searched for ways to report the fraud and this was one outlet. My financial institution, said it's buyer beware and I am at a loss of the money that was taken from me and that I could pay stop payment fees or close my account. What do I do? This company has all of my information. 
Thank you, XXXX XXXX
Consumer complaint received 2020-04-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

Ive been using an app called XXXX. XXXX now has a error message stating that customers with pnc can no longer link there accounts. I hate to have to change banks after so many years. Please have this fixed in order for people to continue using app when needed.
Consumer complaint received 2017-10-27
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: EQUIFAX, INC. (TN)

On XXXX/XXXX/XXXX I talk to a lady name XXXX in the consumer affairs office at Equifax, XXXX XXXX refuse many times to remove / delete a {$40000.00} delinquent 15 old account off my credit report, XXXX XXXX to remove a SSN thats not mind off my credit report, XXXX XXXX to remove / delete XXXX address thats not my address at all off my credit report, XXXX XXXX to Remove / Delete my middle initial, XXXX XXXX to remove a formerly Known name that I never used off my credit report XXXX XXXX XXXX to remove / Delete a account that was removed from my credit report & put back on my file with out sending me a letter with 5 days explaining why the {$320.00} Account was put back on my credit report