davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
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 REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Risecredit, LLC (CA)

I have made all payments within the alloted time period. The company made an error processing a payment and has reported me late on my credit. When i have reached out to fix this issue, CS has been very rude and unhelpful
Consumer complaint received 2022-10-05
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. (IN)

I have had multiple inquiries and accounts appear on my reports that are not mine. At least 2 accounts and 16 inquiries were not opened or made by me. I have submitted my information and reports for your review.
Consumer complaint received 2021-03-30
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. (ID)

I submitted a request to dispute a collections account on my credit report on XX/XX/XXXX expected to be completed on XXXX.The account is a XXXX XXXX account XXXX I never received a update that my dispute was complete only that it was in progress. Over the course of the last 2 months I have logged in and checked said dispute and it was showing still under investigation. As of XX/XX/XXXX, past the 30 day even 45 day mark the dispute was not complete. I logged in today just to check due to the fact my credit report through Equifax is still showing a Derogatory mark for this account. The dispute is now showing complete and the letter attached is stating the dispute was states it was completed on XX/XX/XXXX, but the last time I logged in was XX/XX/XXXX and it was not completed. Also the company continues to call me while the dispute was open. They only stopped calling once I left them a voicemail stating there was and open dispute that was past 30 days. 
The dispute report is stating that the information was updated and that is it. 
Based on the Fair Credit Reporting Act the company has 30 days to review the dispute and if they do not get back within 30 days the agency is obligated to remove the disputed report. Not only did they take over 30 days to submit their findings ( almost 60 days based on my records ) they also send a dispute letter that clearly does not have the correct date on it. There is no way the dispute was completed on XX/XX/XXXX seeing as I logged in on XX/XX/XXXX and it was still in process. They are lying about when it was completed. 
This needs to be removed from my report based on FCRA. 
This account has been disputed and removed off of all other agencies except for this one. 
The company called me again today. Not from their normal number, when called back the rep stated it was XXXX XXXX XXXX
Consumer complaint received 2018-10-07
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. (NV)

XXXX received my payment of {$1400.00} on XX/XX/2018. XXXX   has investigated and has updated my credit report and credit score. 

XXXX and Equifax has not been updated by XXXX. Disputes were submitted, but results aren't complete. XXXX is refusing to report my payment to the credit bureaus.
Consumer complaint received 2021-07-09
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management (TX)

I took out a payday loan in the amount of {$800.00} during the pandemic last year & fell behind on the payments. I let XXXX  XXXX XXXX  know that I had just lost my income & needed to setup a payment extension on the amount, but they told me they needed full payment. I explained that due to COVID that I was waiting to get unemployment & they wouldnt halt collections efforts on the account. They sold the debt & the Third Party is wanting {$1700.00} to remove the debt from my credit report
Consumer complaint received 2021-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (PA)

There is a collection account for XXXX XXXX  on my reports, and 2 separate collection firms have marked onto credit reports. 

They are I.q. data international for 2 amounts totaling {$10000.00} Also XXXX XXXX XXXX  is marking for same debt at {$11000.00} Neither firm has submitted proof of the debt owing, nor have they responded to requests showing an itemized list or pictures. And none of the credit bureau have removed collection as required by the FDCPA. 

I am appealing to you to have this removed immediately. 

XXXX XXXX XXXX
Consumer complaint received 2022-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (KY)

on XXXX, XXXX, XXXX I looked at my credit report and it went down XXXX points and I saw that there was an open balance of {$300.00} threw a collection agency called Enhanced Recovery Company and the original creditor was XXXX XXXX XXXX XXXX XXXX and it was opened XXXX, XXXX, XXXX. This was very concerning because I have never had any kind of cable service in my name.
Consumer complaint received 2018-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUN LOAN COMPANY INC. (MO)

Failure to comply with request for validation. On XX/XX/2018 I sent via certified mail to Sun Loan Company a request for validation and letter of dispute for an alleged debt.

Sun Loan Company received and signed for the letter on XX/XX/2018.

Sun Loan Company failed to provide validation for the alleged debt and to place a comment of dispute with the credit bureaus they are reporting, XXXX, XXXX, and XXXX. On XX/XX/2018 I again sent a letter for request of validation and dispute via certified mail to Sun Loan Company for which they received and signed for on XX/XX/2018. Again Sun Loan Company completely ignored my letter and failed to place a comment of dispute with the credit bureaus. On XX/XX/2018, I once again sent them a letter via certified mail for which Sun Loan Company received and signed for on XX/XX/2018. For the third time in a row Sun Loan Company continued to blatantly show disregard for federal laws and not provide validation for the alleged debt or place a remark of dispute with the credit bureaus. By doing so Sun Loan Company is in violation with applicable FCRA & FDCPA laws pertaining to this alleged debt they have erroneously placed on my credit report.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL (AZ)

Original Complaint Number : XXXX I received a response to this complaint back on XX/XX/21, since then I have contacted the individual who responded 5 times and have received no contact back after several voicemails to her and one of her colleagues. 

I am extremely displeased with this level of customer service especially during a time that I am trying to complete/close/pay this company for a charge off account. This person ( XXXX XXXX ) tells me I am responsible for the incurred debt and says I can make payments for the debt, yet I can not get anyone from this department to call me back. 

This is ridiculous. I am very upset about this situation and would like it to be resolved as quickly as possible!!!
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NJ)

Hello, I have a credit card with Barclays Bank. It is a XXXX Mastercard. While it was in my name, my ex husband ran up a ton of debt, than stopped paying it. I have been trying to pay it, and they will not allow me to. It is no longer at the collections agency so I can't pay them, nor does the original creditor have the account, so I can't pay them either. They are destroying my credit but will not allow me to fix it. My account is somewhere in limbo, and despite numerous phone calls to both the collection agency and creditor, I was still told that I can't pay this debt. It is unfair to ruin my credit when I am desperately trying to settle the debt owed. My credit has been destroyed, I can't get a mortgage, and despite every attempt on my part to fulfill my financial obligations, I keep hitting a wall. I even offered to pay the balance in full immediately, and they refused. I should not be held liable for this debt as I have no way of settling it.
Consumer complaint received 2019-03-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

My compaint is not about the mortgage, it is to report a scam. Someone named XXXX XXXX, with an XXXX accent, contacted me and identified himself as a TIAA loan officer. He knew, or guessed, that i was behind on my mortgage and threatened foreclosure unless I made a payment. He said that I qualified for a " HAMS '' program which would lower my monthly payment and interest rate but in order to begin the process, i had to pay {$1100.00} up front, which he said was my negative escrow balance. My wife and I decided that it would be best for us to have lower payment so we decided to go ahead and proceed with the payment. After paying the balance in full, using XXXX XXXX gift cards, they said we would receive new loan documents in the mail. It wasn't until a few days before our first scheduled " mortgage '' payment that we became suspicious and " googled '' their contact number, XXXX, and found that other people had been scammed or almost scammed by the same XXXX XXXX and his " supervisor '', XXXX XXXX. So now I've thrown away {$1100.00} and I'm three months behind on my mortgage and it will be a struggle to catch up.
Consumer complaint received 2021-04-30
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. (TX)

remove it : FCRA violations : XXXX XXXX XXXX Original creditor : XXXX {$710.00} Balance updated XXXX XXXX, XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : XXXX XXXX Balance on XXXX XXXX XXXXXXXX Original balance {$710.00} {$710.00} Payment Info Original balance {$710.00} Balance {$710.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Affected by natural or declared disaster Your statements - Contact XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$110.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : XXXX XXXX Balance on XXXX XXXX XXXX Original balance {$110.00} {$110.00} Payment Info Original balance {$110.00} Balance {$110.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

On XX/XX/2019, I received a notification that there was a change to my credit report. When I checked my notifications in my XXXX  profile, it stated that a collection account was added to my credit report and that XXXX XXXX flagged that account as collections for the amount of {$52.00}. I called the number listed for them that was on my credit profile on XX/XX/2019 and they said they have no idea of this account and it shouldn't be on my credit profile and advised me to send in a dispute. If they didn't have any proof that this was my account then none of the Credit Bureaus should have never reported this on my credit report. This item remains on my credit profile as of today. It also looks like they are not licensed to collect in the sate of Nevada.
Consumer complaint received 2023-02-19
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-11-19
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: JPMORGAN CHASE & CO. (ME)

In XX/XX/2018 while attempting to pay for my plane tickets at XXXX, I was presented with a pop-up to apply for the XXXX XXXX. The offer at that time is the same offer as of XX/XX/2018, if approved I would receive XXXX miles, after XXXX in spend within the first 90 days. The rules stated that miles may take up to 8 weeks to post to your XXXX XXXX account. I've been checking my XXXX app and the miles never appeared, so I decided to call Chase Bank on XX/XX/2018, to see when they'd post? XXXX from the Chase Ohio office gave me her scripted response, that there are many offers out there at the same time, and that I received a different offer of a XXXX statement credit and XXXX K miles. 
I explained that the offer that I was presented with on the screen was the XXXX offer, that is why I applied. I wouldn't have taken a hit on my FICO score for only XXXX of miles! 

My wife, XXXX ' about 1 month later, also applied for the card and was presented with the same offer and the same thing also happened to her. The internet is full of people complaining about the same thing happening to them. 

I work for XXXX XXXX, and if a mistake is made like this it is fixed immediately. This is totally, " Bait & Switch ''!! I opened these credit cards in good faith, based on the offer that was presented to me while trying to pay for my airline tickets. 

I know for a fact that Chase can go back into the system and see which booking path was presented to me via XXXX software or something similar. 

XXXX & XXXX both from the Ohio office told me, that had I called back right away someone could've switched my marketing offer. I explained to both of them, why would I think to call back and try to change my offer, when I assumed that I was getting the offer that I was presented with? 

I didn't started wondering where my miles were at, until after the 90 days, plus 8 weeks had come & gone. 

This is very disheartening that XXXX XXXX & Chase Bank would cause detriment to their mutual customers in this way ; they deceived both me and my wife! 

I want Chase Bank to make it right and deposit the XXXX miles into both my account and my wife 's account. 

Sincerely, XXXX XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX XXXX, Maine XXXX XXXX XXXX cell
Consumer complaint received 2019-03-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

I am a co-signer on my son 's student loan. Both my son and I are under financial hardship and working hard to get out debt and find better employment. I have talked to Navient several times about this and yet they are rude and unhelpful. I have called them and told them that we are doing out best and yet today for example I have received 4 calls from them, XX/XX/XXXX I received calls at XXXX, XXXX, XXXX XXXX, and XXXX and it is XXXX. This feels like harassment. At the time of the loans and even now this entire process has been confusing and often times wonder if they are misleading us into more unreasonable outcomes. 

Today I tried to file a complaint with Navient and received this error message : " sorry an error has occurred, try again later. '' Also, if the loans were at a California school does that mean that we could be part of the California lawsuit though we no longer live there? 

XXXX
Consumer complaint received 2018-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

On XX/XX/XXXX, I submitted an email request to be considered for the Temporary Extended Public Service Loan Forgiveness Program, because I qualified. I have made 120 payments on my student loans ( some on the wrong re-payment plan ), have 10 years ( XX/XX/XXXX-XX/XX/XXXX ) of work experience with the government, and have been denied PSLF. I was informed via email that if any additional information was needed that I would be contacted. I was never contacted. 

On XX/XX/XXXX, I received notification that I did not qualify for TEPSLF because I only had 118 out of 120 payments. I immediately called XXXX XXXX  and spoke with representatives and supervisors. I was informed that for two payments in XX/XX/XXXX had not been received because my account was placed on and administrative forbearance, which I never requested, but happened when my loans were being transferred from XXXX. I provided a bank statement which showed one of the two payments had been made because it was automatically deducted from my account. I also provided an updated employment verification, which provided an additional seven months of qualifying payments. 

I have been informed by XXXX XXXX to reapply for PSLF which I did and was denied. I reapplied for TEPSLF, which I was instructed to, and have received no response. I continue to make payments to XXXX XXXX, even though a supervisor informed me that " the database '' states I have 128 payments in the system. 

I am getting nowhere and am very frustrated. XXXX XXXX is in essence taking my money each month for a loan that should have already been forgiven. I have reached out to the Ombudsmen 's office and they took my 1st complaint and then closed the case even though I asked them not to. They took my 2nd complaint and I have heard nothing. 

My concern since I received the rejection from TEPSLF in XX/XX/XXXX was that I knew the TEPSLF is a time limited, fund limited program. Even though I applied back in XX/XX/XXXX, I am sure my application is at the bottom of the pile now and it is quite possible the funds will be gone by the time XXXX XXXX does what needs to be done. In addition, I am due a few thousand dollars in over-payments, because my account continues to be deducted. 

This is my last step before filing a law suit. I am hopeful that this situation can be remedied but realistically I have no evidence to sustain that hope.
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

As usual Sears credits my payment first to regular purchase, and the remainder, if any, to promotional purchase, but in XX/XX/XXXX 's statement the billing section did it differently : Sears credited {$440.00} to a promotional purchase which will expire on XX/XX/XXXX and {$130.00} to regular purchase ; this way of calculation showed that I did nor payoff the regular purchase in the previous month, and Sears could charge interest fee. 
On XX/XX/XXXX l wrote to Searss Customer service a letter a letter disputing the interest and asking Sears removing the related fees. Not only Sears did not answer my letter, but also charge monthly interest fee totalizing {$39.00} of XX/XX/XXXX 2021
Consumer complaint received 2021-11-04
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-04-30
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: BARCLAYS BANK DELAWARE (NC)

Hello, The issue i have ran into with a few companies is i have some unauthorized/incorrect inquiries placed on my credit report. This has severely impacted my ability to obtain new credit or any other transactions regarding such. 

I would like to exercise my right under 15 U.S. Code 1681n & 1681o for the damages acquired, i am seeking compensation on {$1000.00} from each company I have sent my letters in to the following companies with a notarized affidavit of truth attached as well, after Composing the letter and sending them out on ( XXXX ). I have still heard nothing from any of the companies, Please help me receive the compensation i deserve XXXX : XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX