davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-08
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION (LA)

My payment was due and I went online to the  Sallie Mae w ebsite to make the payment. The transaction was done on  XX/XX/17    in the amount of {$490.00}. The payment was to be deducted from my checking account on  XX/XX/17   . After making the payment I re ceived an email confirmation from Sallie Mae. A couple of weeks later, I started to receive calls from Sallie Mae. I called back and was told that my account was 62 days past due. I informed the representative that I had ma de a payment a few weeks earlier. I was told that the payment did n't process because of an error. She could not tell me what was the error or why the payment did n't go through. While on the phone with the rep, I pulled up my online banking and realized that an attempt was never made to debit the payment from my account. The rep could not explain what happened, I then inquired about credit reporting since she informed me when the call was authenticated that my account was 62 days past due. I was told that they would report to the credit bureaus a 60 day late payment for the month of  XXXX  to my credit report. I asked why would that occur since I made the payment online and there was an error on their end which caused the  payment not to process. I was told that since the payment was made online, it must have been my fault. Sallie Mae can not provide any documentation to prove that I made an error. I can not view my checking account number on their website to determine if I in fact made an error when my account nu mber was added to my online profile. They have now reported to all   XXXX    credit bureaus that I was 60 days late for the month of  XXXX . This is totally unfair to me as a consumer because I made my payment on time and I have no control of their systems and how they process payments. They can not show that I made an error. Also, How could I be 60 days late for  XXXX  when I made the second payment in  XXXX . There are only 30 days between  XXXX  and  XXXX .
Consumer complaint received 2017-06-08
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: Experian Information Solutions Inc. (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting   Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
<P/>
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.    <P/> Name of Account : Account Number Provide Physical Proof of Verification :  XXXX   XXXX  Unverified Account-No Contract Santander Consumer  XXXX  Unverified Account   XXXX   XXXX   No acct # reported Unverified Account-No Contract
Consumer complaint received 2015-10-11
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waterfall Revenue Group (NJ)

After asking A-1 Collection Service of XXXX, NJ for copies of the original invoices from XXXX XXXX XXXX they sent me XXXX statements then sent me XXXX invoices each for the total amount. They also reported all XXXX invoices to the credit reporting agencies making it appear that a disputed amount of {$1400.00} is {$5700.00}. 
The statements they sent me in proof of debt owed ( after a 3-5 year period ) have handwritten amounts due on otherwise computer generated statements. 
I dispute all XXXX statements as I paid the normal office copay of {$20.00} at each visit. It appears that the hospital owning these practices has reclassified the visits as something else with multiple charges per visit. 
I have contacted the insurance company I was insured with at the time of these charges and I am waiting the receipt of the Explanation of Benefits for each visit. 
I am attempting to determine what amounts I paid each practitioner, but as the services were performed during XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX it is difficult to gather that information. Also, I pay bills from invoices and only received statement copies from A-1 Collection.
Consumer complaint received 2017-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

This is getting ridiculous. Each month you lie to me. I have had some finical issues and each time people tell me that they will help me and they do n't. They just keep on lying. For example, on  XXXX   XXXX  of this year, I spoke with a gentleman named  XXXX .  XXXX  helped me by saying as of  XXXX   XXXX  he could help me enroll in a program if I paid {$150.00} to keep my account from going to the next person.So I did and I believed him. We scheduled a call for   XXXX   XXXX   on  XXXX   XXXX  to get me enrolled. I left that call feeling like finally, somone helped. Well, I was wrong. He also said he would push all of the calls from me and my cosigners. Well, yesterday,  XXXX   XXXX  my mom was being harassed by Navient, yet again. So I called  XXXX  hoping he could let me know what the issue was. To my surprise, I no longer have  XXXX  I have  XXXX .  XXXX  promised me that he would be my account person now. So  XXXX  tried telling me all of the things I already knew was a problem. I stated to her that to please read the notes, I spoke with  XXXX  and he told me everything would be okay. After several minutes, she magically saw what I was talking about. She agreed to what my deal with  XXXX  was. So again she said I will push all of your calls until we talk on Monday. Which again we scheduled a call for  XXXX   XXXX  at   XXXX   XXXX  . When I hung up yesterday, I was annoyed but at least she understood what the deal that happened only a few days prior. So this morning I am at work and my mom calls and says  Navient  has called 8 times since   XXXX   XXXX   .... It 's currently only   XXXX   XXXX  . Are you serious? I have an arrangement. if someone says they are going to push the calls, they should do their job. I am so annoyed with this company. I 've tried time and time again to work with you guys, spending all my money to pay back these ungodly loans. I need to speak with someone who is competent apparently because I am tired of explaining myself to people who clearly do n't care. Also, these robo calls with  XXXX  are annoying as all  XXXX . Even when you pick up the line goes dead and you ca n't speak to anyone. Seriously this company needs to get it together. Lastly, they say they call me, but I get NO phone calls.
Consumer complaint received 2017-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

On  XXXX   XXXX ,  XXXX , I was approved for a {$680.00} monthly IBR payment based on my tax information and ability to pay  (  see attached letter ). My status has not changed since that time.     I have paid {$680.00} each month using the  Direct Debit  feature ( see attached document ). Occasionally, I will pay a little bit more in monthly finances allow.     My most recent Monthly Statement indicates I continue to owe {$680.00} per month under the terms of my IBR  Plan   (  see attached letter ).     FedLoan Servicing unilaterally and without warning/notice increased my monthly  Direct Debit  amount to {$1300.00}.     If there was supposed to be a change, FedLoan Servicing did not send me any emails or letters. The last account-related email I received was tax documentation  XXXX   XXXX   XXXX  see attached ).     I wrote and demanded an explanation on  XXXX   XXXX ,  XXXX  ( see attached document ). FedLoan Servicing failed to respond. I sent a followup email on  XXXX   XXXX ,  XXXX . The reason I wrote was because I wanted any and all explanations in writing in case this happens in the future or in the event a service representative reneges on promises or assurances  (  unfortunately, this is common with student loan companies ).
Consumer complaint received 2017-06-08
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 submitted a previous complaint, number XXXX, which was closed after Equifax responded -- but the response was in fact a non-responsive " canned '' and scripted answer to my particular issue that did not address my issue. <P/>My issue is that an erroneous inquiry was reported by a credit-issuing company to Equifax, and the erroneous inquiry impacted my credit score by tipping me from one category ( Good ) to another ( Below Average ) on the Recent Inquiries metric. I contacted Equifax and  submitted a faxed request for the correction as instructed by phone when they acknowledged the error ( a social security mismatch ). I have contacted the credit issuer and subsquently submitted a correction request with all the information they directed me to include when I spoke with them by phone and they acknowledged the error. <P/>The error negatively impacted my credit report two days after the erroneous reporting. It has remained negatively impacted for more than six weeks after I notified Equifax of the error. Equifax claims it may take them 60 days to correct their own error -- which is unacceptable given the importance of credit scores on a variety of life decisions including access to apartment rentals, insurance, credit, employment, etc.
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (SC)

I applied f or a Discover cr edit card on  XXXX  after seeing an advertisement promising a {$75.00} statement credit if a purchase was made on  XXXX  over {$1.00} within the fi rst three m onths of activation. I made the purchase and realized that the {$75.00} statement credit was not awarded as yet so I called the company and they told me that I would be receiving the statement credit on the  XXXX  statement.  XXXX  arrived and I still did n't receive the credit and now it is  XXXX  and I still have n't received the {$75.00}. I contacted the company and they told me that they were not aware of that promotion via chat. I called them afterward and the representative told me that I did  not qualify for that promotion.The Advertisement is still up currently and I believe that I was lied to. Discover is a very dishonest company and I want what was promised to me.
Consumer complaint received 2017-06-08
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: Experian Information Solutions Inc. (MA)

Problem : Credit score wrong as the associated credit report shown on XXXX incorrectly states that I have n't got recent usage of credit card. <P/>Date : XX/XX/XXXX - Contacted XXXX ( XXXX ). They advised me to contact Experian as according to XXXX they do n't change the data from Experian. They further advised that there is problem with " Last Activity '' data being reported from Experian as it states " Not available ''. " Last Activity '' should have the date of my last credit card usage Date : XX/XX/XXXX - Contacted Experian ( XXXX ). They generated a credit report and walked me through and highlighted that they are sharing all the required data to XXXX. They further stated that they can clearly see in my report that there is recent credit card usage Date : XX/XX/XXXX - Contacted XXXX ( XXXX ). Since the agent could n't resolve or had access they escalated to their manager. The manager accepted that this is an issue and committed to resolve within 24 hrs even though their normal SLA is 72 hrs. She accepted the fact that the lower score being reported is what the mortgage lenders will see. I highlighted to her that because of this data issue on their side I will need to pay higher interest rates. <P/>Date : XX/XX/XXXX - Contacted XXXX ( XXXX ) as there was no response for more than 24 hrs. A supervisor committed to address the issue within 24 hrs or offer me a work around if they are n't able to resolve. <P/>Date : XX/XX/XXXX - Email sent from XXXX restating the issue and that they ca n't resolve this Date : XX/XX/XXXX - Contacted XXXX ( XXXX ). They just stated the same as in the email and asked me to contact Experian. They did n't want to take ownership to talk to Experian to get this issue resolved as they are best positioned. I highlighted to them that Experian have mentioned that the problem is with XXXX interpreting the credit report. Experian showed me the credit report that clearly shows that I have been recently using the credit cards. <P/>I would like to file this complaint to seek your help to get this issue resolved with XXXX as this is unnecessarily affecting my credit score being reported to mortgage lenders. Also the fact that I am not being treated fairly by XXXX to get this issue resolved.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I contacted Equifax about some incorrect, inaccurate, and fraudalent data on my credit report and the collection companies that are reporting the data and asked them for validatity of the debt which is required by federal law ( FCRA ). The collection agency did n't provide me with any information and it 's been over 30 days and I petitioned Equifax to delete the collection accounts and have n't gotten any justice! I want this well documented with the CFPB so when I proceed to file a civil lawsuit my greivances are documented that I went through the proper channels and I 've tried to settle this before proceeding any legal action. If the collection agency ca n't provide me with documentation, how are they proving anything to Equifax.
Consumer complaint received 2017-06-08
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. (SC)

I spoke with Chase 's resolution department about a message I received today XXXX2017, and the first female I spoke to did not seem to understand why I was called ( I  assumed a language barrier/spoke broken XXXX ). The second female rudely told me the call took place on the XXXX. I received the voicemail today, and my cell notes it was received today XXXX17. She said my dispute had been closed. They did not dispute anything! To date, I have called XXXX 3 times. XXXX ( XXXX XXXX, SC - Store Manager XXXX ) remembers my previous call with her about a week and ago. She thought the first charge of XXXX ( XXXX XXXX ) had been charged back. The second charge was a XXXX different XXXX ( XXXX XXXX ). The female in the Chase resolution department told me it was my fault the dispute was closed. Supposedly a letter was mailed to me a month ago, but I did not get it. One was sent a week ago, and has not yet arrived. If I knew this had to be in writing, I would have done it the first day. Chase does not handle disputes like any other credit card. If I have detailed the issues on-line, I should not have to do it again in a letter. I certainly should not have to speak with someone who refused to reopen the dispute, but would happily transfer me to cancel/close my card. This is despicable service. I can tell Chase does not value my business. The only charges from XXXX were made on XXXX XXXX and charged on the XXXX. I was told XXXX was the total for some brackets which would be mailed to me. On XXXX XXXX, I got an e-mail saying they were on their way, but that they were XXXX. When I looked at my statement, I had been billed twice. I have called XXXX 3 times, left a message for XXXX, and spoke 2x with XXXX. Chase has done nothing! This is an unauthorized charge. I should not be charged additional charges by vendors, alert Chase, and then have Chase refuse to dispute the charge. I am also filing a complaint tonight with the Consumer Financial Protection Bureau. Chase has refused to follow-up on this dispute. Chase have been negligent in handling this issue. The female who refused to transfer me to someone who would assist me, and would only transfer me to someone who would cancel my card was not only negligent, lacked any trace of customer service, but she should not be working in any customer service profession.
Consumer complaint received 2017-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

Purchased  XXXX   XXXX  on  XXXX   XXXX  for {$4800.00}. After a couple weeks they froze my account and say that Im unable to purchase after doing business with them for a couple years.  <P/> In addition I made on sell order on the   XXXX   XXXX   when the price of  XXXX  fell from  XXXX  down to  XXXX . During that time I was unable to gain access to the site to complete the transaction until the price had recouped. Many users are experiencing similar issues on the   XXXX   support website.  <P/> Here are just a few of the other companies :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-06-08
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. (WA)

I have been writing letters to this company for more than two years. I 've made several request for this company to investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even though TWO YEARS has already passed.   Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
Consumer complaint received 2022-08-04
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX ( XXXX ) and account # XXXX ( XXXX  ) has violated my rights 15 U.S.C. 1681 Sec. 602A states I have the right to privacy.

15 U.S.C. 1681 Sec 602A Section 2 it also states a consumer reporting agency can not furnish am account without my written instructions.
Consumer complaint received 2021-01-19
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)

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. 

Thank you! 

BR
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services (IL)

Due to unemployment, my account was placed into a 12 month forbearance. The forbearance period expired in  XXXX  and payment was due on the account in  XXXX   2017 . Payment was made on  XXXX   XXXX ,    2017  for  XXXX  's payment due. Student loan co mpany, ACS, processed the payment and applied it to my account. A few weeks later I was noticed via  XXXX  credit monitoring that my account with ACS had been reported as being 30 days delinquent. Payment was never made late and in light of this I filed a dispute with the credit union. ACS did not correct the issue. Furthermore, I have attempted to call ACS on several occasions and have been placed on hold for hours on end. I would like for this payment information to be corrected and for the 30 day pass due status to be removed from my credit reports. This has adversely affected my ability to qualify for a mortgage and I would hate for this dereliction to affect me further. Thank you.
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

XXXX XXXX, 2017 I was shopping for a loan. XXXX XXXX from quicken loans requested to do a soft pull on my credit so that she could compile loan information for me. She assured me that her soft pull inquiry would not show on my credit report. <P/>XXXX XXXX | Director of Mortgage Banking Direct : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXX XXXX XXXX, 2017, XXXX XXXX from XXXX XXXX, the company I decided to get a mortgage with, emailed me and asked why I had a credit inquiry the day before. XXXX double checked on his end and made sure this was not his credit request and assured me that it was not an inquiry he generated. <P/>I was deceived by to my XXXX XXXX at Quicken Loans. She assured me she was only doing a soft inquiry. I would like to