davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

To Whom It May Concern : I have federal student loans through FedLoan. I am currently a federal employee that is participating in the Public Service Loan Forgiveness program. I have been submitting my yearly certification forms and my last certification form has employment approved through XX/XX/XXXX. 

In XXXX, I received my certification report. First, the form lists more PSLF Eligible Payments than Qualifying Payments ( 89 to 84 for some loans and 79 to 74 for other loans ). However, the letter does not explain why certain eligible payments are not counted as qualifying payments.

Additionally, assuming that the Qualifying Payments are actually correct, the estimated eligibility dates for these sets of loans are as follows : XX/XX/XXXX for loans with 36 payments remaining and XX/XX/XXXX for loans with 46 payments remaining. However, given that this last certification was approved on XX/XX/XXXX, these dates are incorrect. For the loans with 36 payments remaining, the estimated date should be XX/XX/XXXX ; for the remaining loans it should be XX/XX/XXXX. These were the dates that appeared on previous forms ; however, since actions were taken by the government to pause student loans during COVID-19, these dates have changed and are now inaccurate. I have spoken with FedLoan about this and have received assurance that it would be corrected ; however, this is the second certification form I have submitted where this has not been fixed.

I am requesting that FedLoan review my file and update my payment information with accurate information. It appears that there are various inaccuracies even though my employment has not changed during my entire time in the PSLF program.

Thank you.
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (PA)

XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, DE XXXX By Mail Only their customer service would not help and take care of the negative inquiries reporting to your credit report
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX  XXXX XXXX  amount {$630.00} incorrect its over double the limit. Its INCORRECT. 
Date opened XX/XX/2018. Date delinquent XX/XX/2018.
Consumer complaint received 2020-07-10
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-03-26
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: AmeriCollect (OH)

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XXXX  ], to protect my privacy and medical records from third parties. I do not recall giving permission to I XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, AMERICOLLECT # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, AMERICOLLECT # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.
Consumer complaint received 2021-01-27
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1300.00}, {$5700.00}, {$220.00}, {$3600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. JXXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$220.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3600.00} -This is not my account.
Consumer complaint received 2020-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

During hurricane Laura, I evacuated to another city. I booked a room using XXXX. When I arrived at the hotel it was surrounded by police. I was unable to even go to the lobby. I called and cancelled the reservation and was told they would call to get a refund. After several days I received an email stating that the hotel refused to give refund and that I needed to dispute the transaction through my bank. I did, and 90 days later Chime bank told me that nothing was wrong and the dispute was closed. Upon examination of the investigation, I learned that Chime did nothing, did not even talk to any of the merchants involved. I am out XXXX through no fault of my own and upon receiving no services.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (IL)

As of XXXX XXXX 2019, Loan Care had obtained our mortgage loan from XXXX XXXX XXXX. No information was provided to make the online payment or where to make the payment. In XXXX 2019 we received information after several calls to get information. Loan Care provided a web address to make payment online, however their system was not working to process the payment. We called Loan Care more than 5 times to send us information regarding where to make the payment to. Loan Care provided an address which turned out to be the XXXX XXXX processing center when our payment should have gone to the XXXX processing center. They have agreed that it was their mistake however still reported us late. Loan Care did not charge us a late fee for the month of XXXX because it was their mistake. In XXXX they also reported us late however never charged us a late fee. We have had our mortgage for 7 years and never missed one payment. In fact in XXXX we paid 2 months worth or the mortgage because they said they never received our XXXX payment. Later we find out it did in fact come off our principal. I know have 2 late payments in which Loan Care will not provide a way to dispute. I called Loan Care and complained and the rep stated she was in fact filing the dispute while I was on the phone. I waited 4 weeks to call and follow up and they state no dispute was ever filed. This company is horrible and come to find out SEVERAL people are complaining about this same issue. Double billing and reporting late to credit bureaus when in fact no late payments were made at the error on my behalf. I am beyond the point of anger when it comes to Loan Care and their terrible customer service. 

PLEASE HELP
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I opened a dispute with Equifax on XXXX for 2 fraudulent hard inquiries and a fraudulent XXXX XXXX XXXX loan account with a balance of {$49000.00}. Per the instructions provided by the FTC, I provided Equifax with the completed FTC Identity Theft report and copies of both the front and back of my driver 's license. After receiving no update from Equifax in the required 4 business days, I logged into the Equifax website on XXXX. Equifax removed the inquires but said they verified the account was mine with blatant disregard for section 605B of the Fair Credit Reporting Act. Unless I misunderstood the FTC 's instructions, the Fair Credit Reporting Act applies to BOTH inquires and accounts. Equifax needs to be held accountable for complying with the Fair Credit Reporting Act.
Consumer complaint received 2020-12-02
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)

On XX/XX/2020 I was submitted Disputes letter regarding to those inaccurate and unknown accounts on my credit report. Over 30 Days now but I didn't received any response. I was a victim of Equifax Data Breach. I demand to Deleted those account ASAP or I will file a litigation.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (FL)

I requested the accounting errors be fixed according to the law, and restrictions be removed from account. I requested account be retitled and provided trust agreement, and new terms, I have no access to credit balance on my account, nor access to checked, or XXXX, nor ability to deposit check into the account, nor access to emergency funds as needed in emergency. Credit balance has disappeared, PayPal denies account is insured. Donation are also missing from the account
Consumer complaint received 2020-11-28
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)

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.
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 I was trying to purchase an item from someone I had met on XXXX but had asked me to send him a direct message on a service called discord. After some talk I agreed to purchase his item for {$500.00} and sent him a XXXX  transfer thinking XXXX  was a wells fargo service not a separate standalone service. Minutes after sending the payment the man deleted his information including his email associated with XXXX and discord information as well as XXXX information and there's no way to contact him at all and I was scammed entirely out of {$500.00}. I immediately made a claim with wells fargo and they responded by saying they let the sellers institution know of the transaction and its up to them to get him to refund the money... However he deleted his information, he took the money and is gone and i'm out {$500.00}! and instead wells fargo has chosen to just close the claim and not assist at all. I tried calling and the representative was extremely rude and unhelpful and had completely neglected all my concerns with resolving this matter. I asked the rep if there's any information she can provide to me with the institution of the sellers that I can call and speak to them about receiving a refund and she refused to provide information and after I became irate she hung up on me.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I have disputed an accountt with XXXX XXXX ( Formerly XXXX ) multiple times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) in reference to late payments being reported.. XXXX has payment status reporting for Equifax as XXXX not more than two payments past due '', XXXX as XXXX 30 days past due '', and XXXX as XXXX paid account/was 30 days past due. Equifax has the close date as XX/XX/XXXX, XXXX as XX/XX/XXXX, and XXXX does not have a close date reporting. XXXX actual report has late payment reporting XX/XX/XXXX, XXXX 's report doesn't have nay payment history reporting, but is reporting a 30 day late payment, and Equifax 's report has late payment reporting as of XX/XX/XXXX. I have never been late on any payments, and I am not understanding why the bureaus are failing to investigate properly. Payments for this loan were due the XXXX of every month since the origination of the loan, which was XX/XX/XXXX, and I refinanced the vehicle with XXXX XXXX XXXX XXXX on XX/XX/XXXX. At the time that I refinanced the vehicle, there were no late payments reporting to my credit report. Then after I paid the vehicle off XXXX reported late payments. Please find attached how the account is reporting to my credit reports and my payment history/payment and notifications staring from XX/XX/XXXX to pay off of loan on XX/XX/XXXX.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (GA)

I've applied for an Apple Card provided by Goldman Sachs, multiples times, but each time I've applied ( through the XXXX XXXX  app on my XXXX ), I've been denied. On a constant basis, I get e-mails and ads from XXXX suggesting the I apply for an Apple Card. Each time that I launch the XXXX XXXX app on my phone, a message pops up to suggest that I apply for the Apple Card. These ads pop up all over my XXXX whenever I attempt to complete a financial transaction or use the wallet. 

I shouldn't be bombarded with these ads from Goldman Sachs in reference to the Apple Card if they are not going to actually give me the card. Because this company is partnered with Apple for this venture, I shouldn't have to keep getting these constant ads for something they are not allowing me to have, each time I use an app on my phone.
Consumer complaint received 2020-11-28
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. (CT)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2017-09-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NC)

I was advised to consolidate student loans and PLUS loans, which I am now told do not qualify for any of the income-driven repayment plans. The only option is a calculation based on the outstanding balance, regardless of my income or expenses. 

The only reason I consolidated and switched to this servicing company was to participate in the income-based repayment, which they told me I was doing. Only today did they advise that I am not eligible because a portion of the consolidated loans is PLUS. 

During the first year, they apparently miscalculated or had me in the program they now tell me I can not participate in : my payment, based on my income, was $ XXXX. The new payment, based on the new program/formula, is $ XXXX XXXX impossible to pay ). 

This is 25 % of my take home pay, before any expenses are paid.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (DC)

CREDCO and XXXXXXXX XXXX XXXX have an inquiry on my credit report. I have not received an offer of credit or a notice of denial of credit. Im not familiar with this inquiry except that it was likely the result of a shady car dealership on XX/XX/2021. 

They told me they only applied directly with manufacturer provided financial services via XXXX XXXX XXXX, so Im not sure why Im seeing CREDCO or XXXX XXXX XXXX on my credit report. I request an authorized use inquiry. If an offer of credit was made, please verify it and provide evidence of the offering. If there was a denial of credit, please verify it and provide evidence of compliance with the adverse action requirements. I am also requesting removal of these inquiries from my credit reports with the three major credit reporting bureaus.
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NJ)

Chase began reporting 2 accounts to my consumer reports with XXXX XXXX and XXXX in XX/XX/XXXX and the second in XX/XX/XXXX in regards to credit cards that they claim I owe. I do not owe any debt to Chase. I sent Chase a debt validation letter on XX/XX/XXXX and they sent me statements in the mail showing transactions with these accounts which is not validation. In the process Chase has violated multiple laws including XXXX XXXX XXXX XXXX a ). They also have not responded to my Affidavit Of Truth that I sent to them on XX/XX/XXXX. They sent me a letter on XX/XX/XXXX stating that they are required by law to report these accounts on my report which is false and misleading 15 USC 1692e. Chase ignored my cease and desist letter that I sent them on XX/XX/XXXX which is a violation of 15 USC 1692c ( c ).
Consumer complaint received 2017-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AL)

After numerous attempts to have the debt collector to remove my name from their files, and reporting negative information to the reporting credit bureaus, such as XXXX, XXXX and XXXX XXXX. The collection company named AFNI has harmed my reputation and harmed my credit worthiness. After the mutual agreement with the original company XXXX, I had established many years ago, concerning the equipment use and the incurring fees and charges, would be established by tenants who remained in use of XXXX 's services and use of their equipment. XXXX was fully in compliance with such agreement. Years later I 've been notified, by AFNI that I owe them in a disclosed amount. I have repeatedly with unsuccessful attempts to dispute these claims by AFNI, with not positive results. I am therefore ; calling for a thorough investigation into the practices of the company named in this complaint.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I sent a letter on XX/XX/XXXX, to remove personal information, address, account name & account Number that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint & I am including it again., XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$180.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX NC ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$75.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$270.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$920.00} XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Medical XXXX Balance XXXX {$170.00} Medical XXXX Balance : {$180.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX XXXX : {$220.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX NC ) XXXX XXXX : {$340.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX XXXX  ( Original Creditor XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$180.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$190.00}
Consumer complaint received 2021-10-04
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court