davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-18
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)

Equifax is inaccurately reporting a bankruptcy on my credit file. I have also been blocked from having online access making it difficult to view my credit report and submit disputes online. It has proven to be extremely difficult and troubling trying to call and speak with a live representative regarding this matter. At this point Equifax has failed to offer sufficient access to my credit file. 

After going back and forth in written correspondence a my only option, my last letter ( copy attached ) was mailed via certified mail on XX/XX/2020. I received an automated response that did not satisfy my written request. I have been denied sufficient access to my credit file and denied adequate documentation as requested per FCRA 611 ( a ) ( 7 ) to request a complete description on all methods used to investigate my dispute.
Consumer complaint received 2019-03-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (PA)

Hello CFPB, So, it seems that as a college student in XXXX, I was approved by XXXX for credit. Later, like most college students, I learned the hard way and ended up owing {$800.00} to {$900.00}, give or take based on this credit line. This was fine, meaning I had no issues with having to pay. Suddenly, I get a letter from this company and/or attorney 's office called, XXXX XXXX XXXX, stating that XXXX sold them my account as a collections account. The problem was as my mother questioned, " Since when does a big CO like XXXX come after college students for a {$900.00} debt? '' This didn't seem right ... 
Later I receoved a letter from the CT that I had a hearing!! When my mother and I called XXXX, we were told that this account was paid off. When we asked how XXXX got this account, at first, CSR were explaining they didn't know. My phone which has been hacked into somehow, ( possible politics since my college has been put under investigation & issues with my mother, Miss XXXX XXXX from Family CT in XXXX, NJ & case workers ... ), disconnected, right when a CSR stated that he'd email my account infor. When I tried calling back to get the account information, & to understand if they sent my account to this attorney, reps begin behaving strange : kept referring me back to this attorney office all of sudden! 
My mother and I believe that perhaps, some CSR or manager from XXXX, was compromised to buy out my account to this " XXXX XXXX XXXX, XXXX as assignee of Synchrony Bank/XXXX.com in somehow this connection to XXXX  XXXX XXXX. Why would XXXX send this account to a lawyer? Since when does an attorney 's office take a college student to CT especially for a {$900.00} account? 
Last but not least, the interest rate for a college student is illegal as I explained to this attorney 's office, who has been harassing me, according to the Obama Credit Card Act of XXXX! They still aren't in compliance. These are the issues! Please, give me your assistance so this attroney can get off of my back!
Consumer complaint received 2017-12-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

I received an email from XXXX XXXX on XX/XX/XXXX saying that " delinquency exists on the student loans you endorsed ''. 

I received the email the morning of XX/XX/XXXX and immediately called XXXX XXXX to inquire what this could be about, as all of my student loans are on autopay. XXXX XXXX services my two private student loans for American Education Services ( AES ) and XXXX. My loans under XXXX and AES are both on autopay each month for {$690.00} ( total ). 

I then called AES to see if they had any information on my " delinquency ''. Essentially, AES is billing my co-signer each month IN ADDITION TO THE PAYMENTS I 'M ALREADY PAYING, without my knowledge. When I called, I found out that my co-signer is paying my " outstanding balance '' of {$6.00} each month, which I should NOT have in the first place. 

Neither AES nor XXXX XXXX has their information straight and can not give me a clear answer. When I asked XXXX XXXX why they sent me a delinquency notice, they replied that they " do n't know ''.
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (MD)

PayPal Credit, which I believe is part of Synchrony Bank, signed me up for a credit card without my knowledge or consent. Last month they sent me a bill for a monthly fee, which was when I first learned this account existed. I asked them to close the account as I did not approve it being opened. 

Today I got another bill from them and they have not closed the account nor responded to my request. I contacted them again telling them to do so and indicating that I would be putting forward a complaint against them. 

Thank you for your assistance.
Consumer complaint received 2021-01-24
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. (SC)

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. The Medical/Health account reporting is a violation of HIPPA privacy laws as well. 
Accounts Rentdebt Autom Balance {$3200.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$530.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$100.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$130.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$210.00} Original Creditor : XXXX XXXX XXXX XXXX ... Balance {$280.00} Original Creditor : XXXX XXXX XXXX XXXX ... Balance {$220.00} Original Creditor : XXXX XXXX XXXX XXXX  ... Balance {$1300.00} Original Creditor : XXXX XXXX XXXX XXXX # XXXX Balance {$200.00} REMOVE UNAUTHORIZED Inquiries attached to this notice.
Consumer complaint received 2021-04-07
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. (NV)

I am reaching out to see if anyone can help me I have been down this dispute road since XX/XX/2020 and I am still writing letters calling trying to get some assistance regarding the accounts that are appearing on my report that do not belong to me at all. No one is helping out There are 8 accounts and I have not applied used or signed for any of these I have no idea how they are appearing on my credit and why I have to fight for this. 

XXXX  XXXX XXXX Acct # XXXXAmt {$11000.00} XXXX  XXXX XXXX Acct # XXXX {$2700.00} XXXX  XXXX XXXX  XXXX XXXX XXXX Acct # XXXX {$5800.00} XXXX  XXXX  - Acct # XXXX {$3900.00} XXXX XXXX- Acct # XXXX {$2200.00} XXXX XXXX- Acct # XXXX {$2400.00} XXXX XXXX- Acct # XXXX {$5200.00} XXXX XXXX XXXX XXXX - Acct XXXX XXXX {$13000.00}
Consumer complaint received 2020-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (RI)

yesterday on my XXXX XXXX report i got a sudden notification from a collection agency named jefferson capital systems the original creditor was XXXX XXXX XXXX. i have never received any notice from either company of his debt or informed it would be going on my XXXX XXXX. i have no knowledge of the bill i would like these creditors removed from my XXXX XXXX.please let me know what information this company may need to resolve this issue. thank you. my gmail is XXXX.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AZ)

Chase bank has returned to an old practice of temporarily overdrafting people 's accounts in order to charge multiple {$34.00} fees and then processing deposits. This practice had been addressed by government oversight authorities and the practice had been corrected, but now with a new administration, they have gone back to their old ways of shafting customers to pad their bottom lines. Even worse, they now deliberately put customers on hold for extended periods of time to avoid speaking with them regarding their complaints. To make matters worse, they left me on hold for 40 minutes and then transferred me over to their system to give feedback on a new person named XXXX who had absolutely nothing to do with the situation. While chase thought they were going to guilt me into giving this representative a good score, I gave all negative feedback for someone who shouldn't have received it. But a point has to be made and is Chase supervisors are fine with throwing line staff under the bus for their egregious behavior, then look to the line staff to expose managements orders and misdeeds.
Consumer complaint received 2020-07-17
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. (CA)

Hi. I need some help. I was the victim of identity theft a while ago. The thief has used my information to obtain credit under my name. I have fought this several times over the years. Recently there is an account on my credit report that I have never done business with. It is called XXXX. 

Last month I sent letters to the credit bureaus to fight this account as not being mine. I don't know what happened, but I never heard back from them. Everyone I know tells me I'm supposed to hear back from them in 30 days or this account is supposed to fall off my report. Its been more than 30 days. I want this account to fall off my report because its not mine. Thank you.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

Hi XXXX  ; Equifax ; and XXXX  ; I was actually in the process of reviewing my credit and noticed that there are several incomplete, errors, and variations of my name and addresses and previous addresses. I've attached what I've sent to the credit bureaus many times that i want those previous addresses and unknown names removed from my credit report. Basically, Ilooking at my credit report, I noticed errors with my personal information, misspelledof myactual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries thatI'mnot 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated informationmustbe deletedimmediately from my credit report asthey are not reportable as per theFCRA, since they are inaccurate.
Consumer complaint received 2020-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NJ)

I received a toll violation from NY XXXX, although I am an NJ XXXX holder. I sent the state of New York a check for the amount of the toll. They continue to demand I pay {$100.00} on top of the money I paid them via check for the toll I used that must have no registered in their state. Being that it is a pandemic AND I did pay for the toll that they did not allegedly receive, I do not feel it is appropriate to fine me {$100.00}.
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GOLDMAN SACHS BANK USA (WA)

I have an issue with my Apple Credit Card issued by XXXX XXXX Bank that I am hoping can be effectively mediated and resolved. 
I utilized my Apple Card with a merchant on XX/XX/2020 in the amount of {$8.00}. I use that card very infrequently and for smaller amounts. It is a newer consumer credit card for me, and I have been trying it out on occasion. Apparently, I forgot I made the charge and my {$8.00} balance went unpaid at the end of XXXX. By the end of XXXX I was still unaware of the charge on my account and I incurred another resulting interest cycle in the amount of {$0.00}. I received no notifications via email or otherwise of my late payment due until XX/XX/2020 when I became aware of it because I a received notification of reporting to my credit agency. On the XXXX of XXXX, I called Apple/ Goldman Sachs and reviewed my account with an attendant ( XXXX ) who confirmed that the email they had for me was not functioning and I likely had not received their notices of late payment. She apologized for the issues I was having as did I for the oversight itself. She agreed to send a dispute of the issue along with a request that the report be withdrawn from the credit reporting agency. What I received then was a series of automated messages from Goldman Sachs stating that the report was made correctly and there was nothing further that could be done at this time. My attempts in follow up to multiple attendants and supervisory staff on both XX/XX/XXXX and XX/XX/XXXX have only resulted in the same formatted email response. I have formally requested a goodwill retraction of this reported delinquency and have been refused that by Goldman Sachs at each turn. 
Previous to this incident, I had a perfect credit rating without a single late payment in over 25 years of consumer credit usage. With one late payment in this instance, my credit score went from XXXX to XXXX. I will unfortunately suffer unfair and unreasonable harm should this simple and minor miscommunication be allowed to stand on my file. It is within the banks discretion to retract this report as a show of goodwill considering the impact to me and the amount and time delay of the payment, yet they refuse to offer that resolution despite acknowledging the communication issue between us and refunding the {$0.00} interest charge. The impact to my credit and business credit lines will unfortunately cost me thousands of dollars in additional interest until this falls off my file likely years from now. I would respectfully ask for any intervention or mediation on my behalf to help resolve this matter and assist me in finding a reasonable resolution.
Consumer complaint received 2020-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (TX)

I submitted an online ( website based ) MyFedLoan e-mail request on XX/XX/2020 asking that all documents related to my loans be sent to me both electronically and by mail ( if there was a fee required I noted I'd pay it if I was directed how to do so ). I requested all documents, but specifically requested : 1. All previous letters sent to me including re-certification letters stating my repayment amounts for the year on income based 2. List of each confirmed qualifying payment ( including 0 dollar payments ) to public service loan forgiveness I have only received an automated response and it has been nearly 3 months. The automated response is attached to the complaint. I have not received any mail with the documents. I have not received an e-mail with the documents. I also have not received any e-mail directing me to their website for any messages related to this request or to the documents requested.
Consumer complaint received 2020-07-18
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)

id theft victim. account that was charged off is not my account. already removed from equifax and XXXX 
XXXX for {$3600.00} is not mine XXXXXXXX XXXX  XXXX {$1900.00} not mine
Consumer complaint received 2020-09-12
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. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (DE)

I have established an in-bound Credit ACH from PNC 's home banking platform. 
PNC sends the request via ACH to XXXX XXXX for a Debit of {$1700.00}. 
XXXX debits my checking account onXX/XX/2019. 
PNC does NOT reflect the deposit on XX/XX/XXXX nor XX/XX/XXXX, it is reflect on the third day as PENDING ( funds not available ), and will reflect the deposit on XX/XX/XXXX as available. 

If I were to make this local deposit ( Both Banks in the same Fed District ) at an ATM or Teller, the funds would be available overnight. If I use mobile deposit, the funds are available overnight. 

The external monthly reoccurring platform parameters/software/third party provider is preventing consumers access to their funds, potentially creating overdraft situations. 

While PNC states that external transfers could take 3-4 days (???!! ) to post, it is not consistent with their funds availability on other platforms ( ATM, Teller, or Mobile ). 

This is a problem.
Consumer complaint received 2021-04-07
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. (MD)

On XX/XX/2021 I attempted to fix issues with the credit bureau but no success so am I now filing a complaint against the credit bureas due to the false and deceptive reporting of 5 accounts and mistaken identity of wrong personal information.
Consumer complaint received 2020-07-17
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. (CA)

I tried to get a credit limit increase on one of my credit cards today XX/XX/20 but I was told that I was nor approved at this time because of an account reflecting negatively on my credit report. I didn't know what account they were referring to so I took a look at my credit report myself and I saw an account from a company called XXXX XXXX XXXX for an amount of {$12000.00}. This account does not belong to me nor did I allow anyone to open this account on my behalf. I am not affiliated to that company in any way and I have never signed any written/verbal contract with them. I have no idea who is responsible for this account but I have already filed a police report. I did not gain anything from this account such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account.
Consumer complaint received 2020-07-17
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. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. 
Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-04-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC. (GA)

I have a title loan. During Georgias stay at home order, the company reduced days of opening to knit 3 days. They then refused to come up with alternate payment that would be safer during the COVID. The only way you can make a payment is with cash and in the store. I explained repeatedly that I had a daughter with a XXXX XXXX and I did not want her subjected to the virus and would not touch money or come in their store. I offered to pay with debit over the phone which they refused. Now they want me to refinance and sign a new contract with daily late fees which I refuse to do. I want to pay this loan off which I have paid off three times over at this point. These companies pray on people and steal from them. It is legal theft.