davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

My ( now ex ) wife and I were cajoled into consolidating our federal education loans in XXXX. We had paid as agreed for many, many years, over {$110000.00} we have paid. We separated in XXXX and divorced in XXXX but continued payments for several years. Unfortunately, we had severe financial difficulties due to the divorce, I had to file bankruptcy, etc. Nonetheless, we paid until a deferral was granted. After a brief deferral we got into better shape financially and started back on income based payments. Dealing with AES/PHEA was ridiculous. They are the worst servicer on the planet. We had trouble since the XXXX consolidation and ever since. Nonetheless, after quite a bit of hard work, we got the income based payment plan set. I pay half and my ex-spouse pays half in separate payments. I have not had issues with my payments but after several months of not having payment issues my ex started having her payments rejected for no reason. These were auto paid through the bank. The bank stated they had no changes, no issues. AES, however, would never communicate. For months and after over 100 emails, letters, faxes, calls, no response. Then they closed the call center in early XXXX due to Covid so no more calls. After at least another 100 emails, faxes, writings, etc. We started getting generic, computer generated responses which did nothing. IN the meantime they sent at least 10 emails and 4 letters a month telling us we were late and gave us late charges. Long story short, after several months, just recently, they somewhat acknowledged the issue but did nothing in response. In the interim, we sent payments directly. We were fully caught up but still have the late charges and they still send notices although they stated we were not past due. NOW, they have pulled a completely different scam. If you have seen the email they sent out about Covid ( and if not I will send it to you ) you will see it says NOTHING about CARES Act, instead saying to " contact them if you have been affected '', which is nearly impossible. NOT ONE TIME do they state the CARES Act defers payment with no interest. My ex was contacted by them and told she needed to fill out a Forbearance for the CARES Act!!! Which she did before speaking to me. So NOW our loan shows as being in forbearance which is completely false as it is suspended under the CARES Act. Not only that, BUT THEY ARE CAPITALIZING INTEREST! They are doing that because it is coded as a FORBEARANCE. This servicer is, has been and always will be a fraud, a scam a stain on the US Dept of Ed, I can not understand for the life of me, after all they have done wrong over the last 20 years why the US Dept of Ed lets them service their loans. And people like us are just ignored as they go about their fraud. WE NEED ASSISTANCE!!
Consumer complaint received 2020-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2020. I begin noticing, during this pandemic, that I was having money taken from my accounts from different lenders, but also it was appearing Wells Fargo was taking advantage of those of us who do t check our statements often. 
I checked my statements for the past 9 months and have had to dispute fraud charges XXXX months .But recently Wells Fargo began charging me.a monthly service charge of XXXX, for the account which was stated in contract and verbally, that if you had direct deposit of more than XXXX you were exempt from service charges. 
I mentioned this to Wells Fargo and 4 such employees mentioned that the direct deposit had to be put in the checking account, not savings as I had been. 
I quickly Reminded then that the contract I signed said nothing of mandatory checking deposit .After hours on theogony and a visit to the branch manager, they removed the charges .I have been treated poorly, disrespectful, rushed by Wells Fargo employees throughout this process .Meanwhile XXXX has disappeared from my account.I kindly mentioned that I would be contacting more authoritative and skilled people to address these issues.
Consumer complaint received 2020-07-06
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. (VA)

I AM A VICTIM OF IDENTITY THEFT. I HAVE FRAUD ACOUNTS, ADDRESSES AND INQUIRIES. PLEASE REMOVE THESE ITEMS ASAP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT
Consumer complaint received 2020-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

Citibank is suing me for not paying for fraudulent charges made to my Best Buy credit card. These fraudulent charges were made on the night of XX/XX/2018. I received a phone call on that same night from Citibank security informing me that there were purchases made with my credit card. The purchases were made from two Best Buy store locations in XXXX. I confirmed to them that those purchases were not mine and were unauthorized. They told me that they would cancel the card and issue me a new one and assured me that I would not be responsible for paying for those charges. On XXXX of that same year I went out of the country for the holidays and when I got back in XXXX I found a letter in my mailbox from Citibank 's security division and in that letter they asked me to give them a call to get some information about the same credit card charges. They wanted to find out if I had received any other credit cards from them and I told them that the only one I had was the replacement card they sent me after my original card was compromised. A few weeks later I received another letter from their security division telling me that they didn't deem the purchases to be unauthorized and that I would be responsible for paying for those. I asked them how they came to that conclusion and the only reason they gave me was that I had a chipped card so no one else could have duplicated it. They told me that if I wished to further dispute the charges, I could write a letter to their Executive Response Unit. I did exactly that and explained to them all the events that transpired since XX/XX/XXXX of the previous year. I even had a few conversations over the phone with their ERU to discuss the matter. I even asked them to obtain video recordings from the stores involved but they told me they could not do that. In the end they seem to have deferred their decision based solely on what the security division decided. I had been a loyal Citibank customer for almost 25 years and never once did I default on my credit card payments to them. My credit history has always been excellent. And now, since I refused to pay for those charges they have ruined my credit rating and decided to sue me after three years.
Consumer complaint received 2022-10-04
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. (TX)

XXXX XXXX XXXX Defense fin & acct svc In accordance with the Fair Credit Reporting act Convergent 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 I requested a MOV method of verification on this account because I wasnt notified about it via email, mail, and phone. I checked my credit and happened to see the account. I challenged XXXX to send me their method of verification such as bill, written signature, etc and also stated if it couldnt be produced then the account should be deleted. I revived a letter in the mail saying that the account was verified and that was it. No supporting documents in which I asked for. This collection is not only violating multiple sections but falsely adding age its not even in the right category this account is suppose to be in collections which it was and they added it to installment accounts which is clearly not an installment. Which further leads to saying that I have a late payment. In the attached photo it says installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans. Click anywhere on an account entry to see more details about that account. As you can see this isnt a loan and shame on equifax for letting this collection agency damage my credit file and verifying it as accurate
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2020-09-05
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: Armada Corp. (WA)

I have disputed items that are too old to be in my credit report besides the fact that they should have been included in a bankruptcy. They would not remove the items off my credit and it has been hurting my credit score for too long.
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (SC)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Consumer complaint received 2021-02-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (FL)

Hunter Warfield has attempted to collect a debt utilizing illegal tactics. They were unable to verify this debt and had to have it removed from my credit. In response to this they decided to change the name of the company and re-report it as HWarfield instead. This is an illegal tactic as it should not be on my account due to the fact that it is not my account and unable to be verified. This is illegal and causing me great damage as I am attemting to purchase a home and this is stopping that process possibly leaving me and my family without a home.
Consumer complaint received 2020-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MO)

I received a " Collection Notice '' from IC Systems ( who I'm sure you are familiar with by now ) trying to collect a balance of {$6600.00}, listing XXXX XXXX as the creditor. 

I have never been a XXXX XXXX customer ( I have always been an XXXX XXXX XXXX customer ) and never had an account, therefore I immediately knew this was a fraudulent notice. 

It is likely that IC System obtained my mailing address due to a recent online loan application I filed in order to refinance my home. ( I received other false pieces of communication from multiple companies requesting information following this online application. ) As a XXXX  of XXXX and XXXX at the XXXX  XXXX XXXX XXXX, I am well aware of these types of predatory practices. Yet, after a few XXXX searches on IC System it appears this company has been wreaking havoc on people for years. I was absolutely appalled to read through the discussion forums and posts from individuals who have shared their personal experiences trying to work with this company. I'm sure many of them, in reality, had no debt and were victims of vague language, and fear-based, predatory practices to coerce them to divulge personal information and payment. Many noted they paid their debts directly, assuming their debt was legitimate. When IC Systems lists creditors as companies like XXXX or XXXX, I'm sure the percentage of people who actually had those accounts in the past is very high ( and therefore they would be inclined to pay to protect their credit ). The companies uses scare tactics and preys on uneducated consumers who don't understand their rights or these scam marketing tactics. 

This is a clear violation of consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using unfair or deceptive practices to collect from consumers.
Consumer complaint received 2019-03-09
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. (MO)

After a couple of failed attempts I'm now Demanding that these accounts be blocked from my credit report in accordance to the literature within the FCRA or I'll have to file suit and start litigation and name your company as a co conspirator of the creditor inwhom is reporting un documented and unverified accounts in my name per credit reports .I 'm requesting that these accounts be removed immediately if you can not provide me with physical documentation and the method of verification used in your companies process. What is the name of your investigator and/ or employee, at what time and date and day did this take place. Also inwhom did your companies representative speak with, fax, emailed, etc. What physical documentation was provided and when did you provide me with such documentation as relating to me and the contracts with the creditors. If this is not afforded to me then again I'm Demanding that the following accounts be blocked/ removed from my report immediately. Accounts ... ( # 1 ) XXXX XXXX XXXX, ( # 2 ) XXXX XXXX XXXX {$5600.00}, ( # 3 ) XXXX XXXX   {$2800.00}, ( # 4 ) XXXX XXXX XXXX XXXX {$1700.00}, ( # 5 ) XXXX XXXX XXXX {$0.00}, ( # 6 ) XXXX XXXX XXXX {$680.00}, ( # 7 ) XXXX XXXX   XXXX {$670.00}, ( # 8 ) XXXX {$630.00}, ( # 9 ) XXXX XXXX XXXX {$140.00}, ( # 10 ) XXXX {$72.00}, ( # 11 ) XXXX XXXX XXXX {$71.00}, ( # 12 ) XXXX XXXX {$960.00}, ( # 13 ) XXXX   XXXX {$680.00}, ( # 14 ) XXXX XXXX XXXX {$0.00}, ( # 15 ) XXXX XXXX XXXX {$0.00}, ( # 16 ) XXXX XXXX XXXX {$30.00}. 

It is my understanding that per the Fair Credit Reporting Act this request must be given attention and completed within 30 days of your receipt.
Consumer complaint received 2020-12-10
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: OHara Holdings, LLP (FL)

On XX/XX/XXXX, I attempted to cash a check at XXXX store, but it was denied and I was given a print out advising to call XXXX for more information. On XX/XX/XXXX, I called XXXX and requested a Consumer File Disclosure Report. Upon receiving the report, I observed on XX/XX/XXXX, check # XXXX for {$350.00} written to XXXX Stores was never paid, reporting source is XXXX XXXX XXXX XXXX with contact information ( XXXX ) XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX and spoke to Representative, XXXX XXXX, which advised their company no longer holds that debt, and that I should notify XXXX Stores customer service ( XXXX ) XXXX. At that time, I notified XXXX XXXX XXXX at ( XXXX ) XXXX to enter a dispute for nonpayment of check # XXXX for {$350.00} at XXXX Stores. On XX/XX/XXXX, I spoke to a representative at XXXX XXXX customer service which advised check # XXXX for {$350.00} is, currently, an outstanding debt and that i need to make contact with Check Plus Systems to make a payment. On XX/XX/XXXX, I made contact with Check Plus Systems, spoke to Representative XXXX XXXX, and made a credit card payment of {$400.00} with a processing fee, included, confirmation # XXXX. In addition, knowing in my gut that I had already paid this debt, I notified my financial institution on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Representative, XXXX, advised check # XXXX for {$350.00} was paid on XX/XX/XXXX via draft check from XXXX XXXX XXXX  XXXX XXXX Texas. On XX/XX/XXXX, I called Check Plus Systems and spoke to Accounting Representative, XXXX XXXX, to advise him of this information and he advised me to email Accounting Supervisor, XXXX XXXX at XXXX with the proof of payment. On XX/XX/XXXX, I emailed XXXX XXXX the portion of my XXXX bank statement that represents the payment of {$350.00} on XX/XX/XXXX and a copy of the canceled draft check from XXXX XXXX XXXX  XXXX XXXX Texas. On XX/XX/XXXX, Mr. XXXX, advised via email that a refund is being sent to me by mail. 
Please take the time to investigate this matter. This is an attempt to erase a paid debt. I am looking forward to hearing from you. 
Thank you, In advance.
Consumer complaint received 2020-09-05
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. (FL)

Ok I paid off accounts that were on credit report and have disputed these items several times bc they never came off the reports no did they update at all. Equifax has a lady I spoke with about this a few times she is very smart mouth and arrogant and says shes not required to tell me her name. She has put remarks on the credit report causing my score to go way down 4-5 times now. Every time I dispute my XXXX XXXX   account she does this. Totally illegal and fraudulent! Im very mad to say the least!!!!!
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (OH)

At u.s. bank I was put into a GOLD checking account which is meant for people woth credit cards and loans with the bank. I have neither. However I was incurring a XXXX fee every month since XXXX for being in that checking account. When attempting to get reimbursed for the charges they only refunded 3 and said there was nothing they can do for the rest.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

Equifax is reporting hard inquiries on my credit profile with no permissible purpose. U.S. Code 1681b- Permissible purpose of consumer reports. Equifax failed to provide Permissible Purpose within 30 days to complete their investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Also per FCRA 623 ( a ) ( 5 ), If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the original letters sent to Equifax more than 30 days ago with proof. 
Hard inquiries should be removed based on the FCRA violations.
Consumer complaint received 2020-07-03
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. (NY)

I have submitted previous disputes to XXXX, XXXX  and Equifax on the following dates : XX/XX/20 ; XX/XX/20 ; XX/XX/20 ; XX/XX/20 and XX/XX/20 to update my personal information ; remove all previous addresses, all other names know to only reflect my current address and submitted a copy of my driver 's license and utility bill as proof of my residence. 

I have submitted previous disputes to all 3 credit bureaus to address hard inquiries : XXXX  is the only one who actually addressed the process. XXXX  and Equifax have not anything to address and or resolve this remedy of updating my personal information : of previous addresses, names, and hard inquiries which is impacting my credit worthiness. XXXX has not followed up on dispute on an alleged collection account and sent in 3 disputes to address this matter ; I have also sent 3 disputes to XXXX  of an alleged collection account to reported updated but nothing has been updated. I have provided evidence from XXXX  XXXX XXXX  Credit Reports as well a 3 bureau credit monitoring services from XXXX  XXXX to show further evidence of Date of Last Activity, ( DOLA ), Date of Last Reporting, ( DOLR ) which the bureaus are failure to utilize in my disputes. I have placed screen shots and even highlighted the inaccurate information to provide factual disputes to better my chances to have inaccurate information removed from my credit report. 

I am asking assistance from CFPB to address this matter and hope my resolution to have all inaccurate information removed from my credit report using factual disputes to remove these inaccuracies of my credit report to make myself more credit worthy.
Consumer complaint received 2020-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

In XXXX and XXXX I have a combined of 14 past due payments. One of {$30.00} a month and one of {$70.00} with Navient. 

{$33.00} payment per month in XXXX - XXXX, XXXX, XXXX were paid late. XXXX - XXXX, XXXX, XXXX were late. I only have {$950.00} balance left on this loan and since XX/XX/XXXX I haven't missed a payment and they all have been on time for 11 months in a row after finding this out. 

{$70.00} payment per month in XXXX - XXXX, XXXX, XXXX were paid late. XXXX - XXXX, XXXX, XXXX were late. I only have {$2000.00} balance left on this loan and since XX/XX/XXXX I haven't missed a payment and they all have been on time for 11 months in a row after finding this out. 

I was unaware that these were past due at the time and was not notified by Navient during those times. During those years I was unaware that my student loan monthly payments were not going through. These marks on my credit payment history are keeping me from being able to finance a car, home, etc. As you will find I have ensure the past year to pay on time all of my monthly payments and have even raised the per month to pay off my loans faster.