davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

I am enrolled in the Public Service Loan Forgive was program now under REPAYE. My payment count has been adjusted - some loans same 84 payments- others 70s or lower. All were repaid at the same time and the counts should be equal. I have asked many times for a recount and after 1.5 years- it still isnt done. Second- there was an error on their end when resubmitting my IDR application on their end which they did acknowledge. This mistake though cost over 10K of interest being capitalized. They were supposed to fix that and still have yet to do that. 

Would be so grateful for any assistance with this matter.
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-06-20
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: Bread Financial Holdings, Inc. (AR)

I TRIED TO BUY A CAR FROM XXXX RECENTLY, AND WAS TOLD I WAS APPROVED FOR XXXX XXXX XXXX. XXXX WITHOUT MY PERMISSION PULLED 11 OTHER HARD INQUIRIES.
Consumer complaint received 2015-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (WI)

I have tax escrow account through US Bank for my mortgage. I was issued the escrow check in XX/XX/XXXX and paid the county once it was XX/XX/XXXX for tax purposes. I forgot about the check and ended up sending it in 8 days late, which was my fault. The bank stopped payment on the check, I believe on XXXX XXXX, without talking to me to see if it was paid. I was assessed {$150.00} in interest and penalties which I am fully responsible for. My problem is that once the payment on the check was stopped, the bank then assumed responsibility to pay the taxes since they still held my escrow. I called the bank immediately upon receiving notice that the check was stopped and they assured me that they paid it. The county did n't receive the payment, so I called the bank again the following week. I was again assured that they sent a check, it still was not received by the county. I called a third time and was told that the check was sent to the county on XX/XX/XXXX and I would incur no more interest or penalties from the county because it was postmarked before the second month that it would be late. They did n't actually send a check to the county until XX/XX/XXXX, resulting in a second month of interest and penalties of {$150.00} which I should not be responsible for. There was absolutely nothing that I could have done to prevent the second month of interest and penalties other than call them repeatedly, which I did, because they held the money to my escrow. Instead of taking responsibility for the second {$150.00} charge, they took the entire 2 months of interest and fees from my escrow account. I called the bank a final time today, XX/XX/XXXX, to resolve the issue and I was escalated to the manager who refused to accept any responsibility for the late payment and hung up on me mid sentence. Every time I call, US Bank verifies my phone number, so the hang up could not have been an accident because they did n't call me back. I see no other recourse other than to file this complaint.
Consumer complaint received 2022-02-24
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. (AR)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy 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 2022-02-24
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. (DC)

This XXXX account has been disputed several times with XXXX and has yet to be removed. The fraudulent account has been removed from XXXX and it's still pending with Equifax. Attached you'll see the report filed with the FTC in regards to the referenced account. Also, you'll see a copy of the results from XXXX showing the account has been deleted. 

The mentioned above XXXX account still reports on my Equifax credit, however, it's since been removed from XXXX. I understand that the credit bureaus do not share information. However, they do a similar dispute process to the other credit bureaus. If XXXX was able to verify the account as being fraudulent then why hasn't XXXX or Equifax removed this account? Also, the other XXXX accounts XXXX XXXX XXXX was removed from my XXXX credit file as well and it's been removed from my XXXX credit file, but remains on my Equifax file.
Consumer complaint received 2022-02-24
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 (TX)

I have received both XXXX Grants and federal student loans since I began my higher education journey in 2003. While attending both my XXXX and XXXX  studies ( XXXX XXXX College, UT XXXX and XXXX University ), I worked full-time and/or was on paid internships for the bulk of that time ; so that I could try to keep my school loan borrowing amounts as low as possible. I am now being told that I could have been offered income based repayments while I was still in school and working full-time. Instead, I was placed on deferments for the duration of time that I was in school ; to include the six month grace period afterwards. I very likely would have qualified for the {$0.00} IDR payments during periods of employment from XXXX ; however, was never offered that as an option. After graduating with my XXXX XXXX XXXX, I started out in low pay, non-profit work environments to gain experience ; and, for years off and on, I could not afford my monthly school loan payment. Each time I contacted FedLoan to let them know that I couldn't make a full payment, I was always steered towards financial hardship deferments. It has come to my attention that they had the authority and power to offer me the option of lower monthly payments or partial payments ; but that was never the information I was given. Thousands of other student borrowers have reported very similar stories ; and this creates significant ethical and possible legal concerns due to the nature of the student loan industry already having a dark cloud due to noted manipulation of borrowers by certain loan companies that I will not name here as it's well known information due to recent, large scale settlements. I am more than willing, if given the opportunity, to pay all previous periods of forbearance and deferment so that those payments can be counted towards my XXXX payments to achieve XXXX. I am not asking for a handout ; I am simply asking that a wrong be righted. I have worked as a public servant for almost 15 years ; and am taking care of XXXX XXXX  family members. I am respectfully requesting that periods of forbearance and deferment be considered for XXXX forgiveness by FedLoan and the DOE ; to include allowing borrowers to retroactively lift those forbearances/deferments and pay the amounts that would have been owed at that time. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-08-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the item : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2010 Balance : $ XXXXLate/Open Late Dates XXXX
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-02-24
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. (FL)

I have no idea what is going on over there at the CFPB. I have always made my payments on time. For some reason, I realized that there were 30 days late on this account on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX to XXXX, XXXX and XXXX, XXXX, XXXX, XXXX, also 60 days late on this account on XXXX, XXXX. I have read enough to understand my rights. The Equifax Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from these accounts. Below are the accounts with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

I take issue with the handling of my student loans since i graduated from college back in XXXX. I write to request that you urge the XXXX XXXX to modify the XXXX XXXX XXXX XXXX ( XXXX ) program such that periods of full-time public service combined with periods of in-school deferment would count toward XXXX, regardless of whether payments were made during those periods. 

Please consider the grounds upon which I issue this request : I have worked for public institutions in higher education since XX/XX/XXXX. When I began my employment at a university I called FedLoan Servicing regarding beginning my payments and was told that since I was a student it would be pointless to begin paying my loans since it would not count toward forgiveness. During this time I was only making around XXXX XXXXXXXX annually and would have qualified for XXXX XXXX monthly payment. Since that time I have consistently worked and gone to school full-time and have been told over the years that it would be pointless to go into repayment since I was a student. At XXXX point I was informed that since I so many loans if I began making payments some of the loans would not be eligible for repayment so I needed to wait until my degree was confirmed to begun payments on them so that they would have the same payment counts. Upon graduating in XXXX my payments began and my count began.
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (PA)

On XX/XX/XXXX I called my credit card company, XXXX XXXX XXXX XXXX MasterCard to pay the balance of my bill that was late. The balance due was {$43.00}. 
I offered to pay the bill in full but XXXX ( XXXX ) from Barclays insisted that I pay the late fee that was {$39.00}. 
According to the regulations : Why did my credit card issuer increase my late payment fee? 
The first time you are late, the credit card company can charge you a fee of up to {$28.00}. 
If you are late a second time within the next six billing cycles ( typically a billing cycle is a month ), the card company generally can charge you up to {$39.00}. However, the late fee can never be more than the minimum amount due. 

The late fee is 90 % of the balance due? 

The minimum due was {$27.00}. 
They are overcharging me for a late fee.
Consumer complaint received 2016-08-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NY)

I have been contacted several times by phone by Midland Funding to collect a debt that is NOT MINE. This person who owes has the same name, but not date of birth or social security number. I have already confirmed with XXXX person I spoke with and they verified through my DOB and SSN that I am not the person they are looking for and they informed me that they would take my name off the list and not call again. HOWEVER, THEY KEEP CALLING DESPITE THE FACT THEY HAVE VERFIED THE DEBT IS NOT MINE AND SAID THEY WOULD STOP CONTACTING ME.
Consumer complaint received 2022-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA (TN)

I have sent dispute letters to Fed Loan Servicing. They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ), 15 U.S. 1681a ( 2 ) ( B ) and 15 U.S. 1681b ( a ) ( 2 ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the XXXX XXXX XXXX XXXX ( 15 U.S. 1681a ( 2 ) ( A ) ( III ). VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ). Fed Loan Servicing is not reporting accurate information. On my XXXX credit report, there is an " X '' placed on dates XX/XX/XXXX and XX/XX/XXXX where the data is unknown. I have supplied the XXXX XXXX for XXXX. If the data is unknown, this is not 100 % ACCURATE! That is a violation of 15 U.S. 1681e ( b ). Fed Loan is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of 15 U.S. 1692J. Pursuant to 15 U.S. 1692K, Fed Loan must comply to any provisions to make my credit report compliant.
Consumer complaint received 2022-02-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I am submitting this on my behalf without any third parties. I am a victim of identity theft, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. EQUIFAX is denying me from submitting disputes online when I didnt give my consent for these accounts to be furnished in the first place. They arent notifying me when a dispute is finished and the same accounts are saying, dispute isnt available. Lastly, an employee told me, XXXX are the ones disputing on my behalf. Thats identity theft. Any person, which includes an organization, who willfully and knowingly obtains information on a consumer, like me, from another consumer reporting agency, without the written instructions or authorization pursuant to 15 U.S.C. 1681b, is information obtained under false pretenses. You have no lawful authority, this is a crime under title 18, and fines are described in 18 U.S.C. 3571. Ive been disputing the SAME accounts for over a YEAR now. Thats a violation of 15 U.S.C. 1681n and 15 U.S.C. 1681o, EQUIFAX is willfully and knowingly allowing this. I am demanding consideration and deletion of these accounts. Please look at the attachments/exhibits.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Syncapay, Inc (OH)

I currently have a total of four ( 4 ) virtual prepaid XXXXXXXX XXXX on a digital wallet, and the only cards I am able to add to this digital wallet are from XXXX XXXX who provide me a " token '' /code to redeem the virtual card provided. 

On Monday, XX/XX/XXXX, I used one of the four cards in this wallet to make a purchase for a cellphone at XXXX by XXXX. The order DID NOT process and the pre-authorization hold was immediately released by the merchant. This is evident by the fact, when I call the customer service number to hear the transactions on the card, it states : " An adjustment of XXXX was made on XX/XX/XXXX '' For whatever reason, I am not able to view my transactions online as I should be able to and I have brought that to the attention of customer service. I am also NOT ABLE to add the card to my XXXXXXXX XXXX digital wallet as the FAQ 's state I am able to do. That issue I brought that to the attention of customer service over three ( 3 ) weeks ago and still have not received any resolution or explanation as to WHY I am not able to do so.

Being I am NOT able to view my transactions online as I should be able to, the only way I can determine what is and is not posted to my account is by listening to the automated system. 

My issue is the adjustment of {$81.00} on XX/XX/XXXX. Whenever I have contacted customer service via telephone, or online chat, I am told it is a pre-authorization hold still, which, is NOT TURE. If there is a pending transactions on the card, the automated system DOES NOT mention it. If there has been a refund it states adjustment, and if there is a completed purchase it say purchase. 

I have asked to speak to a supervisor and EVERYTIME regardless of the time, NO SUPERVISORS are available. XXXX has stated to me on the phone and via email the pre authorization hold was immediately released because of the technical error. I want/need to have the funds released. 

Customer service has told me everything but the truth from, well because it is a XXXX it can take 60 days to be credited back to the account, when I have had other purchased refunded and the automated systems states the date of the purchase and the date of the adjustment. Ironically there is no PURCHASE of the XXXX transaction that I am complaining about and want access to the funds
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (NY)

Sent to each credit bureau the following A copy of my credit report I received from them. The fraudulent items listed. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2022-02-24
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: SLM CORPORATION (NY)

Sent to each credit bureau the following A copy of my credit report I received from them. The fraudulent items listed. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2022-02-24
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  # XXXX, XXXX XXXX, XXXX XXXX XXXX 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.
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (NJ)

XXXX XXXX assessed me an early termination fee of {$160.00} in XX/XX/2020. 

However, as previously discussed with XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), and Waypoint Resource Group ( Collections Agency ), the early termination fee should not have been assessed as XXXX indicated that they could no longer provide service to my area. I was assessed a fee because they could no longer provide a service. 

I communicated with XXXX via email and phone XXXX to approximately XX/XX/2020, the last email I sent asked for an update, but I did not receive any response. I spoke with Mr. XXXX XXXX over the phone a couple times in XX/XX/2020. 

Unfortunately, I have not been able to resolve this erroneous charge with the Collections Agency or XXXX. I disputed the credit report with XXXX, they advised I submit a complaint with CFPB and FTC. 

Thank you.