davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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. (OH)

XXXX accordance with the Fair Credit Reporting XXXX  XXXX acct # XXXX, XXXX  financial acct # XXXX, XXXX federal acct # XXXX, XXXX federalacct #, XXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, w/f XXXX 's acct # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (NY)

US BK XXXX is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( US BK XXXX XXXX )
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IN)

I was contacted by I.C. Systems, Inc., a debt collection service regarding an unpaid XXXX bill in the amount of {$2300.00} for a XXXX XXXX. I do not know who this person is and is not me and after explaining to I.C. Systems, Inc., this was not me, they said they were aware of this and demanded I pay anyway. I was told I was chosen because they thought I would give in and pay and had good credit even though I was not XXXX XXXX. Further, the bill was not even for a state that I have ever lived in and I have never had a XXXX account. They did not care and threatened me with damaging my credit by notifying the credit bureaus and that they stated they knew they could not sue me as I could prove my identity. All calls stopped after I refused to pay for some other unknown party and they marked my credit report. I tried to dispute but they refuse to remove even knowing that this is not my debt nor anyone I have ever known or met in my life. This is true abuse of their position.
Consumer complaint received 2022-01-31
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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I am writing to bring to your attention the continuing refusal of FedLoan Servicing XXXX XXXX  ) to certify my Public Service Loan Forgiveness ( PSLF ). I've written to you about this matter in XXXX, XXXX, and XXXX. FedLoan continues to fail to resolve the situation, though the problem they articulate changes. Even with the recently announced changes in the PSLF program, XXXX has demonstrated a pattern of systematically denying PSLF relief, exhibiting frequent careless errors, lack of communication, lack of transparency, and poor service. 

Despite 17 years working in public service amounting to at least XXXX qualifying payments, FedLoan has to date credited me with only XXXX payments. I am burdened with over {$35000.00} in student loans, most of which I have carried since I graduated as an undergraduate in XXXX. This large debt, combined with my choice to make a relatively low income in public education, has prevented me from getting housing loans due to my high debt-to-income ratio. 

In the last round with FedLoan, I did a full accounting, re-submitting employment certification for at least XXXX qualifying periods, waiting for two months for an answer from FedLoan. They responded with 7 letters, detailing non-existent errors in the certification forms ( allegedly missing XXXX and answers that are clearly provided on employer certification ), neglecting important details ( overlapping employment ), denying me once again PSLF relief. I resubmitted my PSLF Application and Employee Certification. When I tried to call FedLoan 's customer service, I waited more than XXXX hrs before my call was suddenly dropped. 

Please look into my case once again and see if we can help not only my case, but the hundreds of thousands of borrowers that FedLoan is withholding their rightful Public Service Loan Forgiveness. 

Thank you for your time, attention, and advocacy. I have attached a few relevant documents.
Consumer complaint received 2022-01-20
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. (IL)

I have sent 6 certified letters to the company and the credit bureaus stating that this card had fraudulent purchases. I submitted a police report, affidavit of identity theft, and identification. They have verified the information as accurate each time which is in violation of FCRA.
Consumer complaint received 2022-01-20
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. (NJ)

My Equifax credit report is a disaster ; aside from making me jump through every hoop possible to dispute inaccurate information, they do nothing with documentation I submitted which came directly from the creditor for updates. Secondly, they have the same tradeline reporting multiple times reporting different outcomes, I keep sending them my FTC Fraud affidavit, and they do nothing. The straw that broke the camel 's back was them sending me a credit report update document telling me that the 20 plus fraud requests for my credit have been removed, which of course, they have not. I am not sure how that is even legal. Equifax tells me, oops, and we made a mistake. Lastly, they arbitrarily decide when they are going to allow a dispute and when not. There is no rhythm or reason to how this company operates ; however, they are having detrimental consequences on my credit score and reputation and making life as unpleasant as possible. I have paid to monitor with this company, and still, I get no help. Please, for the love of XXXX do something because, at this rate, my only recourse is to file a lawsuit against them for damages and demand that they correct my credit file.
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

Hello- For the last XXXX years, I have tried to update the checking account on file that my Chase Credit Card charges in automatic billing. I no longer store funds in the checking account on file so each time Chase processes a credit card charge, the checking account on file becomes overdrawn and I'm hit with an overdraw fee of {$35.00} by the bank with which I have checking account ( not Chase. ) I am also assessed fees of varying degrees by Chase for being late on my monthly payment. I have tried to call several times over the past XXXX years to resolve this, and have tried to resolve it online. Chase support agents have not been able to update the checking account on file, claiming only I can do that on my online XXXX account. I have explained to them that I try to do so but the " Manage '' button for automatic billing does not work on my account, and therefore I am unable to make the update. I have asked to disenroll in automatic billing instead which they have failed to complete and which I am unable to do within the XXXX  application. They further claim that I do not have any other checking accounts connected to my Chase account, even though I pay from another valid checking account every single month. I don't enter the info for that account from scratch each time I pay. The account is in fact stored as my default manual payment option when I manually pay my credit card on the XXXX application. Despite that, they claim the account is not connected. This dilemma has cost me hundreds in overdraft and late payment fees and may have impacted my credit. I am at my whits end for resolving this as each time I call, I'm cycled through a circle of agents, none of whom believes a solution to my problem exists.
Consumer complaint received 2022-01-19
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. (FL)

I have disputed multiple addresses and other false or in accurate information on my credit report With XXXX to the point where they won't let me file a dispute using the app anymore on those particular items. A caption that comes up every time It says a certain account is still reporting but if I tell them it isn't my account then why are they even letting it report? I did some disputes for XXXX & Equifax through the mail and both same results no luck with any of it. There is a lot of errors and inaccurate information on my credit report which is a total violation of the FCRP act. So I sent in a personal information update letter with my Current Personal Information. All was done was the added my new information with the inaccurate information that I've been trying to get off for the last 3 years or more. I filed a Identity Theft report and they still haven't removed any of the fraud or inaccuracies off my credit report and they fail to physically verify them also and will not delete them. Which is also a violation FCRP Act. They have no regard for the individuals whose information they make money off even if its wrong and it does slander the individual whose name is on the Credit Report.
Consumer complaint received 2022-10-06
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: AmeriCollect (NV)

I'm XXXX XXXX, and I need your assistance in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (MO)

Because I had previously disputed XXXX XXXX Servicing a close account which is reporting 5 times 30 days late. One in 2019 and others in prior years. The credit report agencies will not allow me to dispute the 30 days late payments on the close accounts. I'm unable to apply for a new mortgage until this information is updated on my credit report reflect a timely payment history with no negative information. 

I have made all of my payments in a timely manner. 

I also tried to contact XXXX XXXX XXXX and was unsuccessful since this is a close account.
Consumer complaint received 2022-05-19
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. (TX)

Having child support on my credit is a violation of FCRA and XXXX and XXXX have both removed it from my credit. Equifax has refused to remove it from my credit report and I have filed a lawsuit against them and I will continue to proceed if it isn't removed promptly.
Consumer complaint received 2022-01-19
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: WELLS FARGO & COMPANY (TX)

I have been in contact with XXXX Office of Consumer Affairs, spoke to a supervisor name XXXX XXXX. I have submitted a police report and an identity theft report regarding the account for XXXX, and WF XXXX, which is still reporting. I have filed a lawsuit, and nothing has happened with this account. It was settled, and still no removal of an account I did not authorize. My desired outcome is for these items to be removed in my favor. 
I have sent documents already.
Consumer complaint received 2022-01-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (CA)

I took out a title loan for {$1500.00}. I agreed to pay XXXX a month for 36 months. In XX/XX/2019 during the coronavirus lock down I called to ask if theres anything that they could do to help me out during this lock down time. They said no problem. They could let me skip the month & tack on the missing payment at the end of the loan. I said all I would owe is one additional months payment of {$260.00}? They said yes. I have paid every single month by the due date & expected to owe one more additional month, now theyre saying I owe an additional {$2700.00}. That was never discussed. Or even implied. I have paid over XXXX for a {$1500.00} loan, on time & no one ever said Id owe an additional {$3000.00} for extending one {$260.00} payment to the end of the loan! Please please help me. This company is ripping me off & lying about it. I dont know what to do.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

Upon " checking out '' my purchase of a hotel room at the XXXX XXXX website I was prompted by a XXXX XXXX JPMC credit offer of a 0 % Promo APR for 6 months if I applied for and was approved the card. I received a credit line for that card and completed my purchase. After receiving the paperwork for the card I could see that that purchase did NOT qualify for the 0 % promo APR that was advertised to me as I was checking out. I called Chase and spoke to a representative and their supervisor and was told that nothing could be done. I understand that it was all there in the fine print but that doesn't mean that the offer was not deceptive or misleading. Now I'm on the hook for the entire balance the on the first bill unless I want to incur the interest fee.
Consumer complaint received 2022-05-19
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. (PA)

I submitted a complaint on XX/XX/2022 to Equifax about a medical debt on my credit report that they are in violation of PA Statute Section 7311 Title 18 Unfair or deceptive collection methods. The debt collector is charging interest and fees on a medical debt and they can't do that. The original debt is for {$160.00} and it is now up to {$360.00}
Consumer complaint received 2022-01-19
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. (MS)

Equifax is reporting this collection on my credit report with the name of the original creditor and who the account has been sold to. They have re-aged the date of last activity which is a FCRA 605c running of the period violation and they have failed to properly validate that this account belongs to me. I have no knowledge of this account and it is reporting inaccurate. there is no address or phone number listed for the company so there is no way an accurate investigation occurred
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

I called the number US Bank gave to me on XX/XX/XXXX. On XX/XX/XXXX ( my statement due date ), they were closed. I called XXXX times on XX/XX/XXXX the recording stated they had an interuption in service. Finally on XX/XX/XXXX I reached someone, XXXX. 

I inquired why my account was still closed even though I had brought my account current for some months now. She proceeded to tell me that my account was past due. I told her she was mistaken and asked to talk with a supervisor. I spoke with XXXX and he confirmed my account was current. 

Then I inquired why my account was still closed. I had entered a Covid hardship program in XXXX of XXXX and been paying XXXX XXXX monthly to bring my account current. I was told when I entered the program I was told that after my account was brought current it would be reopened. 

I was informed that my account could not be reopened, with no other explanation or options. 

Still being affected by the Pandemic, I then asked to be replaced on another hardship program based on what three similar credit card accounts had done for me.. 
Pay 1 % of the current outstanding balance with no late fees or late payment charges and a lower interest rate. This would have been XXXX XXXX monthly. 

I was informed this could not be done so I was left with no option other than to dispute the account closing until a new hardship payment plan could be reached. 
That is why I filed this complaint.
Consumer complaint received 2022-01-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (OR)

I recently refinanced my vehicle loan with Ally Auto ( Account XXXX XXXX ) to another financial institution to lower my interest rate. As part of the refinance, I cancelled my service warranty with XXXX XXXX. A prorated refund of the service warranty in the amount of {$880.00} was remitted to Ally Auto on XX/XX/XXXX. Ally applied this to future installments. Then the loan was paid in full on XX/XX/XXXX. 

On XX/XX/XXXX I contacted Ally Auto using their in app messaging feature, to receive an estimated time frame to receive my overpayment. Ally Auto wrote me back on XX/XX/XXXX, stating that it was taking them more than 40 days from the paid in full date to begin processing overpayment refunds, and then an additional 7 to 10 days to mail the check to the address on file. They did not apologize, nor did they offer an alternative way to receive a refund given their delay. 

I still have GAP insurance with XXXX XXXXXXXX that I want to cancel. XXXX XXXX informed me that they would send any refunded amounts to Ally Auto, even though the loan is paid off and they are no longer the lienholder, and I apprised them of Ally 's delays in processing overpayments. This process will mean an additional delays of overpayment refund amounts. I know that any undisputed mortgage overpayments have to be remitted to the borrower within a two week time frame. I don't see how a vehicle is different. 

I understand that the pandemic has put many organizations under stress, however financial services is not directly impacted by supply chain shortages or labor shortages like other industries. As soon as these bottlenecks began to occur, Ally Auto should have adjusted their staff or their processes to compensate. I'm growing tired of the pandemic being used as an excuse to justify terrible service and disorganized management. This has been our shared reality for nearly two years, it's time to adapt.
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (WI)

I received two notices from XXXX XXXX XXXX that it was attempting to collect a debt on outstanding medical expenses. According to the notices, I was given until XX/XX/2022 to dispute the debt. Today, XX/XX/2022, I called XXXX XXXX XXXX to pay the bill. The woman I spoke with at XXXX XXXX XXXX referred me to Americollect XXXX Inc. and gave me a telephone number for them. I called Americollect and spoke with a woman who took my background information ( i.e., name, address, etc. ). This woman told me I had two outstanding accounts in the total amount of {$780.00}. The woman said she'd get someone on the phone to take the payment. I then spoke with another woman, who identified herself as XXXX. XXXX took the same background information. XXXX confirmed there were two outstanding bills. She said the outstanding amount was approximately {$1200.00}. I said I'm not paying that ; I'm only paying the {$780.00}. I asked where the total came from. XXXX said it was " legal costs. '' I said what do you mean? She said " didn't you get a summons and complaint in the mail? '' I said no I had not, and, furthermore, my notices gave me until XX/XX/2022 to dispute the bill. I told her that I thought she was in violation of the fair debt and collection practices act. She said she'd need to check with someone else. I was on hold then for about 7 minutes. XXXX came back on the phone and said she checked with " legal counsel '' and the balance was {$780.00}. At that point, I asked her to repeat what amount she originally had asked me to pay. She refused to answer this question. Instead, she responded, in an irritated tone, " Do you want to pay the bill or not? '' I then paid {$780.00} by credit card. I asked how will I be compensated for the FDCPA violations. XXXX said she'd need to get a supervisor on the phone. After a 10 minute wait on hold ( only interrupted by XXXX saying " someone will be with you shortly '' ), I spoke with XXXX, who identified herself as a " coach/leader. '' I told XXXX to preserve the recording. XXXX said they record all the phone calls. I explained my situation to XXXX and told her they were in violation of the FDCPA. She said do you want to make a complaint. I said I am right now. I also said I am considering legal action. XXXX asked " who is my attorney? '' I responded I am an attorney. I then gave her the name and address of my law firm. XXXX promised that their legal counsel would be in contact with me.