davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

Just thought I'd sound in also! I just completed my XXXX year of repayment. I received my degree in XXXX and entered repayment that XXXX. I have been enrolled in the XXXX program since XX/XX/XXXX. I have made XXXX payments total and XXXX while employed as a Teacher for the Department XXXX XXXX. I borrowed XXXX, have paid back XXXX and XXXX says I still owe XXXX. That is worse than credit card debt. I had given up on the XXXX program until XXXX of last year. A whole year I have been back on the bandwagon and still no " forgiveness ''. I don't even want " forgiveness '' I just want acknowledgement that I am done. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and now Mohela. All of them have made money off of my loans. Even the XXXX says I have had XXXX in total loans ; but that is false. I have only ever received XXXX from any source of student loan. The rest of the XXXX is made up in interest that the companies tacked on over the years as they kept selling my loans to each other. The servicing is horrendous and the biggest scam this country has seen. I have been eligible to retire since XXXX but I can't do that with a level head until I know this loan is done. If I pay the balance they say I owe today, that would be 50 % interest. My current issue is noone is recognizing my payments from XX/XX/XXXX - XX/XX/XXXX. My guess is because my servicer at that time didn't report my payments. They keep telling me I am waiting on some IDR review. Everytime I call the XXXX expert tells me they will do a manual review but ......
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (IL)

I attempted to rectify my debt with XXXX XXXX XXXX XXXX. I called XXXX XX/XX/2022 to speak to representative about settlement. Company has all out of date information including phone number, email, and address. Company offered a verbal settlement but when asked to send an offer via U.S mail, company would not oblige. The company said I must pay first before seeing a statement. The company communicated that I owed over {$1300.00} but on my XXXX report, it only shows {$1200.00}. This was very alarming. I was told I must update my email address. I declined as they stated that once settled, I would never be able to open an account with them. I was told to update my email address online. I asked for the information to be sent via mail but they declined. I believe this company is involved in fraudulent activity.
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2022 I sent Barclays a negotiable instrument ( postal money order ) as a tender of payment in accord and satisfaction to settle the account balance for my accounts ( U.C.C. 3-603 / U.C.C. 3-311 ). The postal money order had a conspicuous statement written on it notifying Barclays of the negotiated contract that I, as a consumer, have a right to exercise. Barclays accepted and cashed the money order. However, they failed to satisfy the account. In return, I mailed over a notice of demand on XX/XX/2022 to inform Barclays that my account needed to be fully satisfied as well as reported to the credit bureaus without penalty that the account is in full satisfaction. I received an email on XXXX 2022 that an investigation was opened. I did not request an investigation. However, I have not heard back from Barclays regarding my payment. The default rule under contract law for determining the time at which an offer is accepted states that an offer is considered accepted at the time that the acceptance is communicated. I have tried resolving the issue with Barclays via letter, mail and phone. I was told that someone would reach out to me since the agent did not have knowledge of my payment. I believe the ignorance of the agents regarding the law is the reason why my issue has not been resolved. I have been penalized due to Barclays reporting to the CRA that I have late payments on an account that has already been fully satisfied as well as have a balance remain on the account.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (CA)

I filed a dispute with credit bureau XXXX, XXXX, and XXXX XXXX on XX/XX/XXXX. Their investigation results were ; Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
This is false information on my credit report. Account name ; I C SYSTEM INC. The reported dates are completely inaccurate and not true. Also I pulled up a their state licensing, and they're not licensed in California. That is completely illegal according to California law ; XXXX XXXX XXXX ( XXXX, XXXX XXXX, Stats. XXXX ) California XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, Chap XXXX. Stats. XXXX ) XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-03-31
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: JPMORGAN CHASE & CO. (IL)

I have been a victim of identity theft. Someone has gain access to all my computer files and personal information. They have frequently open accounts in my name for loans and credit cards that are fraud. I did not authorize or open accounts with XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, JPMCB CARD, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. All of these accounts were opened between XX/XX/XXXX to most resent XX/XX/XXXX with XXXX, XXXX, and XXXX. I want these removed as soon as possible. I did not authorized these accounts to be started or open. Nor did I seek loan from these companies.
Consumer complaint received 2022-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

Dear CONN APPLIANCES , INC . 

Your company is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused serve damage to my character, my reputation my general mode of living and my ability to obtain credit for personal and house purpose. 
Per : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Please remove account XXXX from all reporting agency immediately or will consider taking legal action against you. 
LAST REPORTED DATE, DATE OF LAST ACTIVE AND DATE OF LAST PAYMENT are all inaccurate. 
I have enclosed a copy of all inaccurate information Exhibits A and a copy of my driver licenses and utility bill as proof of identity. 
I tried to send you information regarding this matter in my mail was return the address you guys are reporting on my consumer report is also wrong
Consumer complaint received 2022-10-20
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 (NY)

My payments are made by auto pay on my Gap XXXX  reward card/Barclays. Barclays had an issue with their system duplicating payments for my payment on XX/XX/XXXX. My bank, XXXX XXXX stopped the duplicate payment, and then Barclays realized they took a duplicate payment out of my account, and then they took back the payment. XXXX XXXX realized that Barclay 's corrected the duplicate payment and sent my payment again on XX/XX/XXXX. Barclay 's claims they did not receive the payment, only received the reversal. I have emailed my bank statement to Barclays Resolution department showing proof of payment, 3 times, to XXXX. I have spoken to 3 different Managers. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The last manager I spoke to on XX/XX/XXXX, her name is XXXX, told me that my bank statement is not enough proof of payment. She requested I get something in writing from XXXX XXXX. She then called XXXX XXXX while we were on the phone together to verify my checking account # and routing #. The XXXX XXXX representative also confirmed verbally the payment was sent to Barclay 's and received. Even XXXX XXXXXXXX told the Barclays representative, that what you are asking for is against banking policies, the bank statement is proof of payment. XXXX XXXX also provided me with the Trace ID of the transaction, and that does not seem to be enough proof for them that I made the payment. 
At this point, I have provided proof and they still have not applied my payment. I do not know what else to do to resolve this situation. Furthermore, I never received anything in writing from Barclay 's about the duplicate payment issue, I only found out about it on XX/XX/XXXX when I tried to make a purchase with that card, and it was declined by Gap. I still have not received any notification that they have received my statement and are looking into the issue. All I want is for them to apply the payment that I sent.
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (FL)

RAMCES DUFRESNE ACT.XXXXXXXXXX
 WELLS FARGO BANK OPERATIONS MANAGER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
I TOLD THE BANK THAT ON XXXX THAT I SET COURT HEARING XXXX XXXX XXXX CASE XXXX I NEVER STOP PAYING MONTHLY CREDITOR XXXX. SUPPORT
STILL THE BANK FROZE MY CHECKING ACCOUNT FOR 60 DAYS AMTXXXX
I AM UNABLE TO PAY MY MORTGAGE, PROPERTY TAXES, LIGHT, WATER, WIFI BILLS AS A XXXX XXXX V ETERAN WITH XXXX XXXX  I AM DEVESTATED MENTALLY DEPRESS ABOUT TO BE HOMELESS. MY LIFE IS WRECKLESS. PLEASE HELP
Consumer complaint received 2022-10-20
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: Exeter Finance, LLC. (TN)

My loan with this company has been paid off and ( despite countless phone calls ) they REFUSE to a ) send me the title and b ) report the loan as paid off to the credit bureaus.
Consumer complaint received 2022-10-20
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. (NC)

In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # /ref # 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.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-31
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. (MI)

There are a couple of recent pulls on my credit that I did not approve. XXXX XXXX XXXX XXXX XXXX. I GAVE NO AUTHORIZATION FOR THESE PULLS.
Consumer complaint received 2022-10-20
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: LEXISNEXIS (PA)

In accordance with the Fair Credit Reporting act. The List of inquires and personal information below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquires : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Line of Credit ( XXXX ) XXXX XXXX ( XXXX, XXXX, XXXX, XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX ) XXXXXXXX XXXX ( XXXX, XXXX, XXXX ) XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Addresses : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX, XXXX Account number : XXXX. 

Account XXXX XXXX Account number : XXXX. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account numbers 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC. (GA)

I have never heard of Afni. I do not have a contract with Afni. They keep calling my phone and my husbands phone multiple times a day. I answered and asked them to stop as I dont know who they are and asked if they would quit harassing me. I asked them to send proof that I have an actual contract with Afni and have not received anything. They are causing me stress and wish they would stop.
Consumer complaint received 2022-10-20
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: EQUIFAX, INC. (MD)

XXXX XXXX placed a hard inquiry on my Equifax credit report that I did not authorize. I suspect someone is intending to open this credit card in my name to commit fraud. Two disputes with Equifax have not been successful in getting it removed.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-10-20
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. (PA)

My name 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 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have an active Citibank Card ( Costco Anywhere Card ) that I pay the balance on every month via electronic funds transfer through XXXX  XXXX XXXX XXXX 's bill payment feature. 

I also have an old Citibank account that has been closed for many years, however, it remains on the bill payment page for my bank. 

I scheduled my payment to Citibank and failed to realize I sent it to the old closed account. I realized it when my active account had a late balance. I immediately paid the amount due on the open and active Citibank account and called my bank to see what could be done. 

My bank said they can do nothing. We must contact Citibank. We reached out to Citibank by phone several times and they tell us they can't find the account. I have the confirmation information from the bank that it went to Citibank and connected to that account number. They said they can not help us. So Citibank has a {$1100.00} payment they are not due, and will not provide any assistance. 

Can you please provide assistance in getting this money returned? It was paid to a closed account that has not been active for years. The amount due has been paid in full to my open Citibank account.
Consumer complaint received 2022-03-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (AZ)

I attended XXXX Arizona university XXXX. XXXX and passed but Covid took the teachers out at the end they never came back so I didnt get my degree, however I attended XXXX XXXX XXXX college in XXXX they are charging me for a grant on my credit report there are two charges from XXXX XXXX XXXX I spoke with the financial aid building and wrote them from XXXX  im XXXX and put said loan in forbearance and deferment but XXXX or XXXX or XXXX are say I owe a different ammount then what I owe I didnt think Pell grants had to be paid back. Ive been try to get a car because the dealer ships all started calling me but then then deny me. While trying to fix my credit I paid XXXX  and they didnt help me. So I contacted XXXX law and paid them nothing has happened and I only just found out that during the years I was in prison I was victim of identity theaft my taxes were ran for some of the jobs that I was on and I never got the money and I did not file those returns. Also mortgage loans were taken out in my name but they wont show them to me go over them with me or if it try to refute them them happens my own bank Wells Fargo wont help me add my electric bill or fines Ive paid for years to my account to raise my credit score
Consumer complaint received 2022-03-31
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (FL)

Three disputes were filed with PNC. The most recent approx XX/XX/XXXX regarding XXXX  for {$75.00}, the Second was a XXXX transaction to XXXX XXXX on approx XX/XX/XXXX for {$100.00} and the third to XXXX XXXX XXXX on approx XX/XX/XXXX for {$17.00} and change. PNC already declined two of the three without ever contacting me with questions, accepting documents related to the claims or discussing any details whatsoever. Their customer service employees in the branches and by telephone refuse to provide telephone numbers to the dispute department and state " they are a third party and they will not speak to you. '' My checking account has been overdrawn at least one week due to the XXXX and XXXX transactions and unusable. XXXX  took {$75.00} from my account though service was never started, equipment never connected, and I never lived at the address. The XXXX transaction was for a rental property application which was never processed, the individual did not contact me and tell me and it was discovered after that the business she lists as hers which she works under has been inactive since XXXX. The XXXX XXXX XXXX payment was for a newspaper subscription which I never received, not one single issue. They gave a partial refund of {$8.00} and change. PNC made me refile the claim 4 or 5 times but every time declined it saying I gave an incorrect reason for the dispute.