davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (WA)

I transferred my cell phone service away from XXXX ( XXXX ). Upon transferring all three of the lines on my account, I was unable to access my online account. I was set up for paperless billing, in which the only way to access bills is through the online account. Since I was unable to access the online account due to no longer having active service, I expected that I would receive a final bill from XXXX. I never received a final bill and suddenly a collection was on my credit reports. I contacted XXXX several times requesting a final bill be mailed to me. They promised me each time that it would be sent, but I have yet to receive the bill and I have no way to verify what charges are being billed to me and why.
Consumer complaint received 2021-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

Hello. My complaint is regarding fed loan servicing and my public service loan forgiveness tracking progress. 

29 months ago, fed loan servicing advised me that two loans were not consolidated into my PSLF repayment plan. I was assured the first time I did this about 6-7 years ago that all loans were consolidated. All my loans have about 59-61 PSLF eligible payments, while 2 loans only have 29 because of this. 

XXXX XXXX XXXX XXXX XXXX {$17000.00} Remaining/ Disbursed on XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX {$41000.00} Remaining/ Disbursed on XX/XX/2016 I felt mislead and cheated. In my ways, I was starting my PSLF payments from scratch after those two were added. 

I know the Department of Education is reviewing all PSLF plans to help ensure accurate and correct any issues due to poor servicer assistance. I just don't want to be left out and want to see these two loans that weren't consolidated the first time and brought up in payments to be equal to my other loans and progress updated. I was already notified that an initial review discovered a qualify for more eligible payments.
Consumer complaint received 2022-09-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NV)

On XX/XX/XXXX I opened a dispute with Affirm due to the company I went through for dog training ( XXXX XXXX  XXXX ) filing for bankruptcy, announcing layoff of staff and closing business effective immediately after 2 days of our dog being in there board and train program. In the email we received, they stated the owner would continue to finish the rest of the board and trainings but if we felt uncomfortable we can take our dog out at anytime. Originally when we dropped off our dog we were promised daily pictures and video updates and additionally there were about 10 trainers and our dog was to receive training every hour. After 3 days of receiving no updates, we chose to pull our dog out based off their email because the service we were promised was not being provided- we stopped receiving any updates and we didnt feel that 1 person was going to provide the same level of training as 10 trainers. I opened the dispute with affirm and provided all information pertaining to the events, emails recieved and conversations had and on XX/XX/XXXX they closed the dispute in favor of the merchant claiming that Upon the review of the evidence that you have submitted, we have determined that services would have continued as normal per the emails that were submitted. Due to this we have sided with the merchant. 

I will attach the original evidence I sent to affirm which includes my experience with XXXX XXXX XXXX, the emails they sent to us, and XXXX XXXX on their page from others who are experiencing the same issue of them accepting money then filing for bankruptcy with no offers of a refund. 

After the dispute with closed with affirm, I called and they stated that decision was made based off XXXX XXXX XXXX sending over their contract stating that no refunds are given after training starts. XXXX XXXX XXXX has made it impossible for consumers to get in touch with them and states everything will go through their bankruptcy lawyers but seems to continue to communicate with Affirm as an effort to keep money from clients who didnt receive services.
Consumer complaint received 2021-10-19
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. (NY)

This is not a dispute request but a complaint that my rights as a consumer have been violated under the FCRA because I have NOT HEARD ANYTHING from the bureaus in 90 days regarding my dispute and I have sent two dispute letters requesting an investigation to the following accounts : XXXX  XXXX  Account Number : XXXX, XXXX Account Number : XXXX,
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

My husband is XXXX XXXX military that currently stationed in XXXX. I have a chase business account since XX/XX/XXXXfor E-commerce ( XXXX or alike ) and based in California. My husband then added a temp address in XXXX so we can receive letter mails but accidentally changed the permanent address in XX/XX/XXXX, He then went on XXXX for three month and I received letter last week from Chase saying that my account will be closed. I called back and told my banker the address was changed by mistake and changed the address back to my permanent address back in California.
Consumer complaint received 2021-10-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2021-12-29
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)

Per 15 U.S.C. 1681G I have noticed incorrect information being reported on my credit report and account that have no contracts on my account that needs immediate deletion
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I have an existing Chase credit card that has accrued XXXX of their credit card reward points ( Chase Ultimate Rewards ). I intend to close this credit card account in the coming weeks but would like to transfer my existing points to my wife 's Chase account. My wife has an active and separate Chase credit card account and existing Ultimate Rewards account. Chase 's website and literature advertise that transferring points to another member of one 's household is allowed and considered a benefit of the card. 
On XX/XX/21 I attempted to make the transfer of points to my wife via Chase 's website. After visiting the " Combine Points '' website, Chase has removed the option to add a member of your household ( see attached screenshots of what is visible on their website now, compared to what used to be there ). 
On XX/XX/21 I called Chase 's customer service line to escalate the issue. The representative on the phone was unable to transfer the points, could not provide an explanation for why they couldn't be moved, and then said that he would escalate the problem and that someone at Chase would follow up with me. I have not received any further communication from Chase since then.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

My daughter received a digital prepaid {$50.00} debit card after getting her Covid vaccination through the XXXX XXXX the XXXX California promotion. The debit card was only provided in virtual format that could be uploaded to XXXX XXXX on an XXXX. The card was provided by Blackhawk Network, which sent me an email on XX/XX/XXXX with a picture of the card and a link to a redemption code to redeem at myprepaidcenter.com. The photo in the email ( attached to this complaint ) clearly shows that the debit card has an expiration date of XX/XX/XXXX - XX/XX/XXXX. However, when I tried to use the card a few days ago it was rejected, and when I called the number for customer service, I was advised that the card in the email was for " illustrative purposes '' only, and that the actual expiration date of the card was XX/XX/XXXX. Since the XX/XX/XXXX expiration date appears nowhere in the email or with the card in XXXX XXXX, I asked the agent to honor the original expiration date for my debit card, or issue a replacement debit card. Despite the unclear and deceptive nature of their communications regarding the card, Blackhawk Network has refused to take any steps to rectify the situation ( see attached email from their customer service on XX/XX/XXXX ).
Consumer complaint received 2022-08-23
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)

in accordance with the Fair Credit Reporting act XXXX # XXXX, DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX # 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, 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (CA)

Had direct deposit with NetSpend prepaid debit card by XXXX on XXXX first SSI benefits posted however the company gave me a hard time about retrieving my funds off that card for about six days I was given the runaround so I asked for the account to be closed at which time on XX/XX/XXXX they claimed they closed the account and returned my SSI deposit back to Department of Treasury today is XX/XX/XXXX and I still have yet to see my SSI deposit for XXXX I would like them to release my funds
Consumer complaint received 2021-10-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KS)

On XX/XX/XXXX I sent out a detailed dispute letter to Equifax certified mail, on some issues that i don't believe are accurate on my credit profile. There are some misleading information on there that is really hurting my credit and it has been well over 45 days and I haven't received anything about their investigation at all. I know the Fair Credit and Reporting act says that it must be accurate nd they have to give me information about it within 30 days. Well i am still waiting so i kindly ask them to remove the inaccurate information and remove the unverified late payments.
Consumer complaint received 2022-09-30
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. (NC)

I understand your and the companies " reply. '' However, I sent all the information by hard copy in response to their hard copy letter of inquiry. 

My response was mailed USPS Priority, Return Receipt Signature Certified. 
From my USPS office, to XXXX, their offices is XXXX XXXX maximum delivery time. They have had ample time to sign the receipt and confirm my very complete package of documentation mailed to them on XX/XX/2022. 

Why have they not confirmed the receipt of the documents?
Consumer complaint received 2021-12-29
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. (IL)

Hello, ive recently disputed multiple inaccurate items by mail around XX/XX/2021 it has been well over 30 days and has yet to receive any type of notifications .You have fail to comment and failed to reply back with investigation results.Both being under violation which means you must delete all accounts from my report. 

XXXX XXXX XXXX  XXXX late payment Please remove from my report XXXX  XXXX XX/XX/XXXX late payment Please remove from report XXXX Please remove from my report XXXX XXXXXXXX XXXX please remove from my report XXXX XXXX  Please remove from my report XXXX of XXXX Please remove from my report
Consumer complaint received 2021-10-19
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: SYNCHRONY FINANCIAL (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2021-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IL)

I HAVE ONE CITIBANK ACCOUNT CHARGE OFF WITH {$10.00}, I NEVER HAVE BEFORE CITIBANK CARD. 

I HAVE XXXX XXXX  XXXX XXXX ACCOUNT CHARGE OFF WITH {$1.00}, I HAVE ONLY ONE  CARD IN XXXX XXXX XXXX. I TRY WITH THE BANK DIRECTLY, AND THEY AGREE WITH THIS ACCOUNT IS NOT MINE, BUT I SEE IN MY REPORTS.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MS)

Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, SD XXXX branch and headquarters owes me a {$50.00} refund after I paid {$50.00} on a pre-pay debit card that was never applied to my account and closed by Wells Fargo in XX/XX/2020. I was told by the Wells Fargo XXXX ( XXXX ) XXXX customer service number a {$50.00} check would be mailed, and should arrive in early XXXX and it never did arrive, only Wells Fargo Card Services billing statement showing - {$50.00} charging my bank account frivolously.
Consumer complaint received 2021-10-19
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. (DC)

I first want to say this complaint is NOT from a third part credit repair company. I, XXXX XXXX XXXX, photo ID attached, am the living and breathing woman submitting this complaint to all three major credit bureaus XXXX, XXXX and Equifax. 

I previously sent in my written instructions according to 15 U.S Code 1681b ( 2 ). I have also attached my instructions for my consumer report as it relates to items I want deleted. To further all three credit reporting agencies are in violation of 15 U.S Code 1681a ( 4 ) -There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In addition all credit reporting agencies listed are in violation of 15 U.S Code 1681a ( 2 ) ( b ) - ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; To further 15 U.S Code 1681b ( 2 ) has been violated as neither company has fully honored the written instructions of the consumer. In addition the consumer report should not have been shared as there was not permissible purposes such as a court order from a competent court of jurisdiction. I XXXX XXXX XXXX am the original creditor and ALL extensions of credit arise from the use of my social security account, defined under the Truth in Lending act as a CREDIT CARD. Lastly I XXXX XXXX XXXX am submitting this complaint ON MY OWN BEHALF I am seeking that the items listed in each letter be removed per my instructions as the natural person/consumer. I would like the CFPB to enforce the rights of the consumer
Consumer complaint received 2020-02-09
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: SYNCHRONY FINANCIAL (CA)

There is a credit card from synchrony bank that was opened over a year ago. I have notified the company that I did not opened this credit card and that I never knew about this credit card until I started getting bill about past due balances. 

I live a single life and unfortunately I have had many girls I meet stay over at my house. I have had many different girlfriends stay at my previous home and one of them could have opened credit cards in my name without me being aware. I pay all my bills on time and take my credit seriously. However, in this situation, I did not incur this debt and need your help in helping me resolve this with the bank.
Consumer complaint received 2021-10-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

On XX/XX/2021, I received notification that my XXXX and Equifax credit scores had dropped by XXXX points due to the following : -a transferred XXXX  student loan account -incorrect delinquent payment history reported by XXXX, a third party reporter of XXXX -multiple unauthorized hard inquiries I believe XXXX and Equifax both denied my requests to dispute the above, violated my privacy by the unauthorized release of my credit reports and took discriminatory action against me with the sharp decline in the calculation of my credit score when XXXX transferred a student loan account to XXXX XXXX.
Consumer complaint received 2019-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (TN)

House fire on XX/XX/19. Damage was under {$40000.00}. Check for structure endorsed and returned after I had to quote XXXX/XXXX/CFPB Guidelines to XXXX who handles claims for my mortgage company, Bank of Oklahoma. Then a second check was submitted which was for storage of contents, cleaning contents, moving contents. All paperwork was submitted from me and from XXXX XXXX. I uploaded everything to XXXX 's site. I gave permission to endorse check and send to XXXX XXXX. XXXX had the W9, my permission, Waiver of Lien, 3rd Party Authorization Notice, Repair Intent, Certificate of Completion, COI. They made an error and said they did not have all the info and sent the check, regular mail to XXXX XXXX for Endorsement. They said that was their policy. Then, the Manager, XXXX tells me it was their error. It should have been endorsed. Now, XXXX XXXX is out money for at least another two weeks. I am in the mortgage industry and I hear complaints like this all the time. XXXX does not follow guidelines. They constantly loose documents which is what happened here. I have had to take time to all at least 5 times to get this fixed. Each time, am told something different.