davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
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: Kashable LLC (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have read enough to understand my rights. The late history should not be showing late as reported in my 3 Credit Bureaus because I think I paid on time. The Bureaus are attempting to violate this clear understanding. Please Investigate and report the payment status positive and update all late from reporting on this account.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Progrexion Holdings, Inc. (OK)

On XX/XX/2020 I heard a radio commercial and called CreditRepair.com regarding an item on my three credit reports. The person I spoke with at that time seemed sympathetic with my situation and assured me that Credit Repair .com could certainly help. He stated that it may take some time, perhaps three months. I signed up and let them do their thing. Now five months later and after almost {$600.00}, they have not been successful, and in fact have simply sent out form letters every month as " challenges ''. I spoke with them to terminate my subscription and felt like a complete loser that I had given them so much money. Now they say that not only will they not credit me back any of the funds, but they bill in arrears and I have more charges coming. I have no idea how they could bill in arrears when I was billed originally on XX/XX/XXXX, just one week after we first spoke. They have billed every month on the XXXX since then in the amount of {$110.00}. I can't believe I was scammed out of {$600.00}. AND THEY WANT MORE!!
Consumer complaint received 2021-07-29
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. (MS)

THIS IS IN VIOLATION OF MY RIGHTS AS A CONSUMER ... I have been writing all three credit bureaus since XX/XX/2021 and they have yet to update and correct my credit profile. I am aware that the credit bureaus purchase their public information from XXXX XXXX and XXXX. I contacted the U.S. Bankruptcy Court and I have attached a copy of the letter stating that they do not report to any reporting bureaus. If this is the case this is a violation of 611 ( a ) ( 1 ) ( A ) in which I have constantly asked each bureau to validate the information and send me copies with my signature. Each time they update the report stating that it remains the same and the information from the US Courts are overlooked and omitted. In absence of my signature to verify the information they have on my public records I asked for them to delete it from the credit file you maintain under my Social Security number. Additionally, credit bureaus DO NOT LIST XXXX XXXX AS THEIR INFORMATION PROVIDER WHICH IS A VIOLATION OF FCRA TO REPORT FALSE INFORMATION.
Consumer complaint received 2021-07-29
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: EQUIFAX, INC. (OK)

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 2021-07-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

It has been well over 30 days and I have not received any results of an investigation of this account that I requested on XX/XX/XXXX to the credit bureau 's in regards to the difference of date of last payments reflected on my credit report for XXXX XXXX. XXXX  does not reflect a date of last payment while XXXX  reports a date of last payment of XX/XX/XXXX and XX/XX/XXXX on Equifax. Please see the attached credit reporting and letters submitted to the credit bureau 's.
Consumer complaint received 2019-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (FL)

Ally Bank continues to ignore repeated instructions to not enroll me in their " optional '' overdraft service. 

Ally Bank authorized a debit from my account when the balance was {$140.00}, for {$390.00}. Prior to the transaction posting I had supposedly " frozen '' my debit card from any transactions being approved through it via the " Card Control '' product. 

The Ally Bank website offers this advice : " If you didn't set up overdraft transfer service and used your debit card to make a purchase or withdraw cash, then your transaction may be declined but we won't charge an overdraft fee. '' I do not have overdraft transfer service setup, but yet, they processed this transaction and charged me an overdraft fee. 

I have tried to talk to Ally about it, however, they claim that they " may '' authorize transactions that will overdraft my account at their sole discretion and " may '' charge me that fee if that happens. 

Yet, the agreement and website state something entirely different.
Consumer complaint received 2019-04-29
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. (CA)

Three years of back-and-forth and because it had already been discussed two of the three CRAs have yet to remove what is a gross error on my credit report regarding the current existence of a child support case. 

As you can see I have attached the necessary proof to show otherwise and would appreciate the compliance of the FCRA by both companies in the instant removal of the miss information.
Consumer complaint received 2019-04-29
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. (NY)

My Identity has been compromised and misused for the benefit insurance mobile and auto fraud applications. As a result of these acts I have suffered significant blows to my credit reports that need to be investigated and corrected immediately.
Consumer complaint received 2022-04-15
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. (FL)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX L XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2019-04-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (PA)

I seek your help to reduce a debt that has burdened me for 17 years and threatens to burden me for at least ten more my federal student loan debt. I graduated from XXXX College in Maryland in XXXX and in XXXX, began repayment of my XXXX XXXX XXXX Federal Direct Loan with a combined principal of {$44000.00}. In spite of making timely payments for the past SEVENTEEN years, my current principal balance is only {$35000.00} ( as of XX/XX/XXXX ). 

That is a difference of a mere {$9100.00}, or {$530.00} per year for each full year of my payment history. By contrast, I have paid more than {$2500.00} per year. 

Since XX/XX/XXXX, I have worked at a major nonprofit institution in XXXX. Although my employer is a qualified employer under the Public Student Loan Forgiveness Program and I made uninterrupted monthly loan payments during the qualifying period, this is not enough. In an email dated XX/XX/XXXX, I received notification that I do not have any qualifying payments because my repayment plan type is graduated rather than income-driven. The notice explained that I could convert my loan to an income-based option and work another ten years to receive forgiveness. I am a single woman and can not afford to almost double my monthly loan payment under the income-driven plans. 

I was encouraged recently to learn about the Temporary Extended Public Loan Forgiveness Program and quickly requested reconsideration. I understand that the program is for persons who were denied PSLF due to the wrong payment plan and assumed I had a fair chance at loan forgiveness. However, in an email dated XX/XX/XXXX, I was again advised that I do not meet the qualifications because the amount I paid in the 12 months prior to applying for TEPSLF was not at least as much as I would have paid under an income-driven plan. My current monthly payment amount is {$190.00}. The monthly income driven payment amount calculated by Fed Loan is {$380.00}. 

I beg of you, how could I have reached this amount if I was under the graduated repayment plan? This criterion for the TEPSLF continues to punish persons who have been paying faithfully and serving our communities.
Consumer complaint received 2021-09-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I originally applied for a government school loan in XXXX, this loan since XXXX has been transferred to a private lender Sallie may to Navient. Even though this loan was back by the government I have no relief with the cares act. I can defer but still have to pay for interest, this is not fair and disgusting.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The account of XXXX XXXX XXXX account # XXXX has not been validated. I have asked XXXX XXXX and Exquifax also XXXX XXXX XXXX to provide me proof of this debt bearing my signature and all i receive is a a letter from the credit reporting agencies saying that its accruate and then a itemized list of charges from XXXX XXXX. What is that? that doesnt tell me anything? .. By law i am allowed to asked for this information and it is to be provided. I have written letters and nothing is getting done. I wrote a letter on XX/XX/XXXX i wrote XXXX XXXX and they sent me and itmeized list of charges. look at the attached credit reports from bureaus. they are all different and reporting inaccrurately and violates my consumers rights to have accurate information on my credit reports be 100 verifable at all times FCRA. 

account is charged off -- XXXX XXXX date XX/XX/XXXX, equifax XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and how is there a usage on a closed charged off account? it cant be past due ... dofd is not accurate on all 3 bureaus. 
2 bureaus dont have no high balances reported etc
Consumer complaint received 2019-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

This purpose of this letter is to request assistance in recovering {$4000.00} from Chase Visa for an unauthorized and invalid charge. 

According to Chase Visa 's supervisors, Chase 's Disputes mishandled my dispute by not reviewing it carefully, continuing to request information, and allowing so much time to lapse that they dismissed the clai. 

My claim for a refund of {$4000.00} is valid because I did not receive the services as described and which the vendor agreed to. 

XX/XX/2018, I hired XXXX XXXX to redesign the color 8-course graphics. However, that is not the work she presented. 

XX/XX/2018, In an email, XXXX XXXX admitted that she did not complete the work for which she was hired, and she apologized. 

XX/XX/2018, However, within 24 hours of her apology, XXXX XXXX quit. She did not attempt to remedy the situation within 48 hours, as her contract promises. 

XX/XX/2018, XXXX XXXX helped herself to {$4000.00} of my {$7100.00} deposit without providing any design products or accounting for her time. 

I have nothing to show for the {$4000.00} withdrawn from my Chase Visa account. 

Despite the fact that Chase Visa was provided with reams of detailed documentation and two letters from an expert in the field of design validating that the services described were not delivered, Chase Visa has failed to keep their agreement to provide me with cardholder protection.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

I had an Apple Card since XXXX of last year which is a credit card which can be used via mobile wallet. In XXXX I discovered an identity theft issue with my Apple XXXX  account where someone had opened a bank account under my name using my old drivers license from XXXX Nebraska. After I reported the identity theft issue to Apple my account number for the Apple Card disappeared from my wallet.I also received account statements without account number. Also my device got stolen. For the last two months Apple has refused to give me access to my original Apple ID account which I have been using for the past 7 years and has my personal pictures and data in iCloud back up. Also I was not able to reset my password even though I have my recovery phone. 3 of my Apple devices have been stolen after this incident including my Apple XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. 

I am still not able to access Apple Card account or use the physical card. I received an Apple Card statement after two months stating my payment was due. This has negatively affected my credit score.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (NJ)

SELF FINANCIAL/XXXX XXXX REPORTING MY SECURED CREDIT CARD SINCE XX/XX/2021 AS OPEN WITH A XXXX BALANCE ... .. 

THIS IS INCORRECT.. 

IT IS A CLOSED ACCOUNT WIITH A XXXX BALANCE I HAVE REQUESTED BOTH SELF FINANCIAL/XXXX XXXX & XXXX  TO CORRECT 4 DIFFERENT TIMES AS OF XX/XX/2021. IT HAS NOT BEEN FIXED
Consumer complaint received 2019-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OK)

I am a member of the XXXX XXXX Im currently XXXX  right now and received a notification that I had a collection account. I looked on my report to see that I had this same collection that I disputed a year or two ago and it popped back up. I have an XXXX XXXX alert and a fraud alert on my credit file. I have tried to resolve this before and now its back on my credit. I plan on taking legal action as soon as Im back in the United States. Im in the military and cant monitor my credit daily.
Consumer complaint received 2019-04-28
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. (MO)

I'm disputing these following accounts due to the fact my identity was compromised long ago, but yet these unauthorized accounts are still reporting on my credit file. I'm demanding that they be blocked, or the 3 major credit bureaus so just why they are reporting these unauthorized fraudulent accounts. Please block these accounts ( 1 ) XXXX, ( 2 ) XXXX XXXX {$130.00}
Consumer complaint received 2020-10-05
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: Experian Information Solutions Inc. (GA)

I was recently retaliated against by Experian Credit Bureau regarding my submittal of 2 CFPB Complaints on XXXX XXXX NOTED AS FOLLOWS : 1. XXXX 2. XXXX 3. XXXX However, on XX/XX/XXXX, I received an update that my from FICO Membership that my score was negatively impacted by 16 points from an XXXX XXXX XXXX XXXX account that had already been sitting on my Experian report for the last 3 years which had not been utilized in any capacity and they decided to report it as a high balance after it had been sitting on my report for 3years. This is Blatant Defamation and Retaliation against me as a XXXX XXXX American XXXX  and U.S.  Veteran because I opened the complaints listed above because they did not act on the Proof of Documentation and information I provided to them regarding a SETTLED Account with XXXX XXXX. Instead, they stated the information was accurate with out even reviewing the Documentation which I sent in the mail. 

As a result, when I opened the CFPB Complaints, I was informed that my Experian Credit Score had dropped from XXXX to XXXX in a matter of 7 days! Experian needs to be investigated by CFPB, SEC, and FBI for manipulating Consumer Scores as a result of demeaning and retaliatory acts of Discrimination against XXXX XXXX- American. This is also a form of Suppressive and Oppressive Systemic XXXX Acts exuded by Experian as well. 

I am requesting that my Scores be restored to XXXX which is prior to the XXXX XXXX XXXX which is still not resolved. 

This is also another form of systemic XXXX  and oppression towards XXXX XXXX-Americans in the United States and should not be tolerated by an Corporate Entity. It is against the law to oppress U.S. Citizens and further treat XXXX XXXX-Americans as if we are in XXXX  with the Oppressing Economic tactics exuded by various Credit Entities and Corporations in the U.S. in a sole effort to restrict Access to Capital because of the blatant, discriminatory, and retaliatory tactics.
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (VA)

On XX/XX/XXXX, I received an email appearing to be from XXXX XXXX, my contact for one of our vendors, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX email is XXXX. For several months, we have sent bill payments to XXXX by ACH transfer, based on information provided by XXXX. The email I received XX/XX/XXXX included prior legitimate emails between XXXX and me in what appeared to be a continuation email to me in that stream but using the email address XXXX ( extra XXXX after construction ). The fake sender informed me that a new bank account should be used for the next ( and future ) payments to XXXX. The sender provided the new bank information by entering it directly on the ACH form that we use for our company account at XXXX XXXX XXXX. A payment of {$75000.00} was due to XXXX at the time, so I used/submitted the ACH form ( w/scammer 's bank info as recipient ) to transfer funds immediately thereafter. 



The forged bank information was discovered XX/XX/XXXX when XXXX XXXX sent a copy of their latest bill and informed me that no payment had been received for their prior bill. I informed XXXX of the modified bank information that had been entered on the ACH form, and she confirmed that she did not provide that information and that their bank account had not changed. I immediately alerted XXXX XXXX, my contact at XXXX XXXX XXXX, of the circumstance and provided a copy of the ACH form that had been submitted previously with the forged account information ( PNC Bank, Routing No.XXXX, Checking Account No. XXXX in the name of XXXX XXXX XXXX ) XXXX XXXX XXXX at XXXX XXXX XXXX contacted PNC regarding the improper transfer, but PNC would not speak with her regarding this matter because " she is not their customer. ''
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST (CA)

Bank of the west received payment in FULL for a balance of {$1500.00} for a charge-off XXXX years ago on XX/XX/2021. Via recorded call, I was informed that Changes would be updated on their end and submitted to all credit bureaus to show a XXXX  balance by end of XXXX. Were now nearing the end of XXXX and nothing has been updated.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 2021-09-13
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: M&T BANK CORPORATION (CA)

M & T Bank acted more egregiously than impersonating law enforcement : They abused tax payer dollars and send multiple police to my HOME attempting to collect a debt that I had been trying to pay for 4 months. 

In addition, I had informed them that I was out of the country MULTIPLE times, and they had the police harass my tenant anyway. 

I have been attempting to get answers about this abuse for months now, and they NEVER address my concerns. 

Absolutely filthy behavior.